USDA Loan Vs. FHA loan pro & con Marion, Smyth County, VA

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 for your financial situation.

Exploring USDA and FHA Loan Options in Marion, VA

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.

Lendersa loan request and matching outcomes

What is a USDA Loan in VA?

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.

Get top 10
USDA LENDERS
customized to yout needes

Marion Lenders
(276) 783-3116 Lender's profile and map The Bank of Marion PO Box 1067, Marion, VA, 24354 Lends in Virginia The Bank of Marion is the third oldest bank in Virginia. That says a lot about the stability and success of our bank! Grounded in the principals of customer service and hometown banking, we have never wavered from our original mission We have always embraced the latest proven technologies to ensure the very best in customer convenience.
(276) 963-0836 Lender's profile and map First Sentinel Bank 315 Railroad Avenue, Richlands, VA, 24641 Lends in Virginia Local people serving local people. Our motto is the driving force behind all of First Sentinel Bank's efforts to build deeper connections with our communities, our customers, and our employees. First Sentinel Bank continues to stand apart from competitors through grass-roots involvement with our local communities.
(276) 628-9558 Lender's profile and map First Bank and Trust Company 667 West Main Street, Abingdon, VA, 24210 Lends in Virginia First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee. The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches
(800) 971-4671 Lender's profile and map First Community Bank California 101 Sanders Lane, Bluefield, VA, 24605 Lends in Virginia First Community Bankshares, Inc.(Opens in a new Window), a financial holding company, is headquartered in Bluefield, Virginia, and provides banking products and services through its wholly owned subsidiary First Community Bank. With roots dating back to 1874, we have a rich history of community and customer involvement.