USDA Vs. FHA Pro and Con comparison in Portsmouth, Portsmouth County, VA

In 2025, USDA loan limit in Portsmouth, county of Portsmouth, VA is $0 while FHA limit is $507,150 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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2025 loan limits and downpayment requirments in Portsmouth, county of Portsmouth, VA

Loan Type Loan Limit Down payment
USDA $0 0%
FHA $507,150 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Portsmouth, VA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Virginia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Dovenmuehle Mortgage, Inc.
  • 1 Corporate Dr, Suite 360, Lake Zurich, IL, 60047
  • Dovenmuehle, we understand the importance of your members and provide the solutions and experiences you need to build trusted relationships with them. Our commitment to innovation and technology means we develop leading member experiences and our thoughtful approach to service means we provide the care and hands-on support they need.
  • Long Grove Mortgage Bancorp
  • 4180 North Route 83, Suite 8, Lake Zurich, IL, 60047
  • Our experience and expertise have enabled us to navigate through the recent mortgage crisis. Many other companies closed, but we sharpened our skills and not only are we still open, but we are stronger, more experienced, and better equipped to handle your financing needs. We are a full-service mortgage lender with an experienced staff.
  • Genex Lending LLC
  • 1775 Lanyon Drive, Bartlett, IL, 60103
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • THE PREFERRED GROUP MORTGAGE AND CONSULTING SERVICES, INC.
  • 110 S. Oak Ave, Suite 100, Bartlett, IL, 60103
  • We are not a BIG BOX Loan Store quoting rates and closing costs based off of a computer algorithm. Here at the Preferred Group, we go to work for you. We roll up our sleeves and do the hard work, finding you the best options for your situation. Due to our experience and full-service operations, we provide in-depth knowledge, help
  • RESONATE MORTGAGE INC
  • 140 N Barrington Rd, Suite 5, Streamwood, IL, 60107
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan
  • Northside Community Bank
  • 5103 Washington Street, Gurnee, IL, 60031
  • NorthSide Community Bank, with over $250 million in assets, is the only community bank headquartered in Gurnee. The bank was chartered in 1997 and has 4 locations in the Chicago metropolitan area and Lake County. The bank was formed in 1996 by a professional group of business men and women to better respond to the market place.
  • ALEC
  • 325 Tri-State Parkway, Gurnee, IL, 60031
  • Granted its charter in March 1990, ALEC first opened its doors to the employees of Abbott Laboratories in October of that same year. In our early years through 2001, ALEC Service Centers were located only at the AP30, AP6, AP22 and M1 locations. Since then, we've added four more service centers,
  • Consumers Credit Union
  • 1075 Tri-State Pkwy, Suite 850, Gurnee, IL, 60031
  • Consumers Credit Union (CCU), headquartered in Lake County, IL, has provided unparalleled financial services to Members since 1930. The credit union offers a complete menu of products and services, including checking, debit and credit cards, vehicle loans, consumer loans, savings, money market and certificates of deposit
  • First State Bank of Bloomington
  • 204 North Prospect Road, Bloomington, IL, 61704
  • First State Bank of Bloomington is unique because we’re 100% employee-owned. If that sounds uncommon, it’s because our ownership structure is extremely rare. In fact, industry analysts have estimated that fewer than 10 banks across the country have a similar structure to ours.We have the attitude & the commitment to make you financially successful.