As of 2026, the USDA loan cap in Marion, located in Smyth county, VA, is $336,500. Conversely, for a single-family home, the FHA limit is $472,030.
The Lendersa® USDA loan calculator aids in evaluating today's USDA versus FHA rates, helping you to determine the necessary income, credit, reserves, and documents required for qualification. With our advanced mortgage calculator, you can compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly secure the best USDA or FHA loan for you. Begin with one of three pathways to connect with matching lenders and explore USDA loan options.
A USDA home loan, or USDA rural development loan, is guaranteed by the Department of Agriculture and is intended for rural regions. Unlike FHA loans that require at least a 3.5% down payment, USDA mortgages require none, making them more accessible for those seeking homes in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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