As of 2026, the USDA loan limit in Portsmouth, found within Portsmouth County, VA, stands at $0. In contrast, the FHA limit for a single-family home is $507,150.
Utilize Lendersa®'s USDA loan calculator to compare the best current rates between USDA and FHA loans. Assess the needed income, credit status, reserves, and documents to qualify. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, aiding you in identifying the program that best fits your financial situation in .
2026 Loan Limits and Downpayment Requirements in Portsmouth, Portsmouth County, VA
Loan Type
Loan Limit
Down payment
USDA
$0
0%
FHA
$507,150
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Portsmouth, VA
Lendersa® is committed to quickly providing you with access to the best USDA or FHA loans without hassle. Select one of three pathways, allowing engagement with matching lenders and exploration of USDA programs.
The USDA home loan, which the Department of Agriculture backs, is also referred to as a USDA rural development loan or USDA mortgage. These loans are only available in rural communities. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA mortgage demands none.
In 1912 the founding members formed a mutual association named Elizabeth Building & Loan. Collectively the members put in their own funding to provide resources for lending. EB&L offers an alternative lending opportunity for first time home owners, repeat borrowers and investors.
5100 George Washington Highway, Portsmouth, VA, 23702
Lends in Virginia
We have been in business since before Tidewater was Hampton Roads and rebranded into #the757 of Coastal Virginia. We have survived recessions, depressions, and natural disasters and will continue to serve you in years to come. Northern Star CU is located in Portsmouth, Virginia. 5100 George Washington Highway, Portsmouth, VA 23702.
Coastal Key Acquisitions connects borrowers with the right capital source — fast. We specialize in hard money, bridge, and commercial loans nationwide. As a veteran-owned firm based in Hampton Roads, VA, we bring integrity and deal expertise to every transaction. Residential, commercial, and land deals welcome. Let’s close.
First Signature Mortgage, LLC supports Equal Housing Opportunity
The mortgage process can be confusing. Our mortgage experts help make the process easy to understand! With a single application and credit report, we can show you customized options from great lenders and make sure to find the right loan for you!
440 Monticello Ave, Suite 1850, Norfolk, VA, 23510
Lends in Virginia
Temple Mortgage LLC is a company dedicated to providing quality financial services. We specialize in offering the lowest rates available and tailoring the services to meet the needs of our customers. Our qualified staff is available to answer any questions regarding property purchases, ReFinancing of primary and secondary property.
Summit Hampton Roads Federal Credit Union has been open since 1970. The credit union has assets totaling $10.32 Million and provides banking services to more than 2, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves health care employees.
4100 E Virginia Beach Boulevard, Norfolk, VA, 23502
Lends in Virginia
The Norfolk Fire Department FCU was originally founded by Mr. Frank Talley and chartered on April 28, 1940 and organized as a cooperative financial institution. The credit union was originally founded to provide Firefighters and their families with an alternative to high cost financial services, which were available only through banks at that time.
PFD Firefighter's Credit Union, Inc. is a member-owned financial institution. We exist to provide a wide range of quality services based on member needs. Our intent is to encourage savings and provide loans in a personal and professional manner while ensuring sound financial management to safeguard member assets.
1355 International Terminal Boulevard, Suite 102, Norfolk, VA, 23505
Lends in Virginia
The Port of Hampton Roads ILA Federal Credit Union is a financial institution owned and controlled by it's members. It continues to exist solely for the financial benefit of it's members through their ability to save money in the form of Share (deposits), purchasing of savings certificates (certificates of deposits) and other savings mechanisms.
