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.
"We have built a strong reputation as an outstanding mortgage brokerage firm, serving the lending needs of real estate professionals, builders and individual homebuyers throughout the state.
We're a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending"
Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
4495 Crossings Boulevard, Prince George, VA, 23875
Fort Lee Federal Credit Union is a community-chartered credit union headquartered in Prince George, VA. Since 1952, the credit union has provided affordable financial services to the community through checking, savings, and loan products. The credit union currently serves almost 17, 000 members.
In the fall of 1938, President John Manuel Gandy requested the establishment of a Federal Credit Union at the Virginia State College, from Superintendent Sidney B. Hall, of the Department of Public Instruction. At a staff meeting on October 19, 1938, President Gandy announced that authority had been granted to proceed to establish the credit union.
The founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service & a diverse offering of quality financial products.
Baylands Family Credit Union was formed over 70 years ago to assist with the financial needs of the West Point paper mill employees and their families. Over time Baylands has grown to become a state-chartered community credit union with a robust platform of services to offer all our members.
New Horizon Bank was founded in Powhatan, VA about 20 miles west of Richmond. In 2009, a group of local business owners had a vision to meet a need – a community bank to provide an alternative to large regional and national banks. Powhatan is comprised of merchants, small manufacturers, farms, individuals, and families
PAFCU to help as many of our members as possible with their credit needs. Our mission is to counsel members, showing them how to dramatically improve their credit scores so they can pay us less and help our community more. and Finally, our goal is to come up with a solution for all of our members. Our members trust us to find solutions for them.
