USDA Vs. FHA your options comparison in Lexington, Lexington County, VA
In 2026, the USDA loan limit in Lexington, within Lexington county, VA, is $336,500. Meanwhile, for a single-family home, the FHA limit sits at $472,030.
Use the Lendersa® USDA loan calculator to compare today's best USDA vs. FHA rates, and determine the income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator lets you view USDA, FHA, Conforming, and VA options side by side to guide you towards the most effective program for your financial situation in .
2026 Loan Limits and Down Payment Requirements in Lexington, Lexington, VA
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Lexington, VA
Lendersa® is committed to securing the best USDA or FHA loan quickly and without hassle. Choose from one of three starting points that connect you with matching lenders and USDA loan programs.
A USDA home loan, endorsed by the U.S. Department of Agriculture and known as a USDA rural development loan or mortgage, is exclusively offered in rural areas. Unlike FHA loans that require a down payment of at least 3.5%, USDA mortgages require no down payment at all.
CornerStone Bank will be recognized as the best and most caring place to bank in each of the communities it serves. Our Mission is To deliver exceptional service every day & to demonstrate in every interaction with customers, shareholders, employees & the community, the things we value most: integrity, excellence, reputation & results.
Bank of Botetourt "Taking Care of You" is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.
We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
Highlands Community Bank (HCB) was established in 2002 by a group of local investors who determined there was a need for a community bank in the Alleghany Highlands. The belief was that a community bank could better serve the local residents and businesses and better contribute the local economy.
Jackson River Community Credit Union is a not-for-profit financial institution that is owned and operated by its members and promotes the credit union philosophy. We provide a full range of financial services at very competitive rates and useful information to help our members in all of their financial endeavors.
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
"TY Mortgage, LLC, has a team of experienced and highly skilled loan consultants that will help you determine which loan option is best suited for your situation. At TY Mortgage, we help you get the loan that you want in the time frame you want it in. Purchase or Refinance Mortgage Residential or Commercial.
Central Virginia Federal Credit Union offers a fresh, unique alternative to banks. Like other financial institutions, we offer a full range of financial products and services. Unlike the others, we are not-for-profit. putting those savings in your pocket! Here you are more than a customer, you're a member.
We are committed to quality customer service - putting the people we serve first. we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! Specializing in residential mortgage loans for purchases, refinances and equity lines/loans
