USDA Vs. FHA your options comparison in Richmond, Richmond County, VA
In 2026, 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 .
2026 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 are a full-service mortgage company based in Richmond, VA. We specialize in VA Loans, FHA Loans,& JUMBO Loans in Richmond. We also serve the surrounding cities in Richmond City County. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank. Atlantic Union Bank has 149 branches located throughout Virginia, and in portions of Maryland and North Carolina. We believe people have a right to expect more from the companies they do business with – and they can expect more from Atlantic Union Bank.
LendingDeck is a nationwide lender that provides short-term fix & flip loans and long-term rental financing for real estate investors. Our loans, often called hard money loans, can be used for purchasing or ReFinancing non-owner occupied residential properties, funding renovation projects, and financing long-term rentals.
RVA Financial was organized on August 23, 1950 as the Richmond, Virginia Municipal Federal Credit Union to provide financial services to employees of the City of Richmond. The National Credit Union Administration approved the charter the following month, and the first membership meeting was held on September 14, 1950.
The Richmond Virginia Fire Police Credit Union, Inc. is sponsored by the City of Richmond, Virginia's Department of Fire and Emergency Services, Police Department and its affiliates. We are a member-owned, not-for-profit financial cooperative. Our mission is to serve the most precious commodity which is our members and their families.
Credit Union of Richmond, Virginia’s longest continuously running credit union. We are a member-owned financial cooperative that is dedicated to building members dreams by offering quality personalized services that go above and beyond to fulfill your financial needs. Every member has different financial needs.
Liberty Mortgage has been serving the Richmond community with mortgage lending options and superior customer service from experienced local experts. Located in the heart of the fan district in the Branch Museum of Architecture, Liberty Mortgage is one of the only remaining independent mortgage brokers in the city.
1st Financial Mortgage is a Virginia mortgage company based in Richmond that is dedicated to helping Virginia home buyers and homeowners purchase and refinance their homes. We aim to provide extraordinary customer service, excellent interest rates, and low closing costs for every customer.
Professional Mortgage Corp., a Virginia Corporation was established in 1987 and has the distinction of being the oldest locally owned and located mortgage company licensed by the Virginia Bureau of Financial Institutions. It was founded by lifetime Virginia Residents Tim Estes and Herbert Weisberger
