USDA Vs. FHA your options comparison in Martinsville, Martinsville County, VA

In 2025, the USDA loan limit for Martinsville, in the county of Martinsville, VA is set at $336,500. For a single-family home, the FHA limit is $472,030.

Utilize Lendersa®'s USDA loan calculator to compare today's top rates for USDA versus FHA loans. Determine the income, credit score, reserves, and documents you need to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding you in choosing the best program for your unique financial situation in .

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Loan Limits & Downpayment Requirements for 2025 in Martinsville, Martinsville, 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 Available in Martinsville, VA

The goal of Lendersa® is to swiftly provide you with the best possible USDA or FHA loan without hassle. Begin by choosing one of three starting points that connect you to matching lenders and USDA loan programs.

Lendersa USDA loan request and matching results

What Defines a USDA Loan in VA?

A USDA home loan is a government-guaranteed loan by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It's exclusively for rural areas and unlike FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



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