USDA and FHA Pro and Con in Richmond, Richmond County, VA
In 2025, the USDA loan limit in Richmond, Richmond County, VA, is $336,500, whereas the FHA limit for a single-family home is $546,250.
Utilize Lendersa® USDA loan calculator to evaluate today's top USDA and FHA rates. Discover the necessary income, credit standing, reserves, and documents to qualify. With the advanced calculator, compare USDA, FHA, Conforming, and VA side by side to choose the best program for your financial needs in .
2025 Loan Limits and Down Payment Needs in Richmond, Richmond County, VA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$546,250
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Richmond, VA
Lendersa® aims to connect you with the best USDA or FHA loans quickly and easily. Start from one of three paths to find matching lenders and USDA programs.
The USDA home loan is backed by the Department of Agriculture, often called USDA rural development or USDA mortgage, and is only available in rural locations. Unlike FHA loans demanding a 3.5% down payment, USDA loans require none.
Texoma Educators Federal Credit Union is a full-service financial institution serving Grayson County, Texas, and Bryan, Marshall and Atoka counties in Oklahoma. We offer membership to the entire Texoma community, wherever you work! As a non-profit, we are focused on competitive rates and convenient services.
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