USDA Vs. FHA your options comparison in Roanoke, Roanoke County, VA
In 2026, the USDA loan limit for Roanoke in Roanoke County, VA is set at $336,500, while the FHA limit for a single-family dwelling is $472,030.
Utilize Lendersa®'s USDA loan calculator to assess today's premier rates for USDA compared to FHA and determine the necessary income, credit, reserves, and documentation to qualify. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA side by side, assisting you to identify the most suitable program for your financial status in .
2026 Loan Limits and Downpayment Requirements in Roanoke, Roanoke County, VA
Loan Type
Loan Limit
Down payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Choices in Roanoke, VA
Lendersa® is committed to efficiently pairing you with the finest USDA or FHA loans swiftly and smoothly. Choose among three initial points to connect with appropriate lenders and explore USDA loan programs.
The USDA home loan, backed by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Contrasting FHA loans, which require at least a 3.5% down payment, USDA mortgages need no down payment at all.
"ALCOVA Mortgage started with a friendship. Bound by a common background and inspired by a passion to serve, childhood friends Bobby Nicely, Billy Siple and Rob Lindstrom dreamed of one day starting a business.
“When I bought my first house, I realized how confusing the mortgage process could be."
This credit union is a member-owned, democratically operated, not-for-profit organization managed by a board of directors, with the specified mission of meeting the credit & savings needs of consumers, especially persons of modest means. The purpose of this credit union is to promote thrift among its members by affording them an opportunity.
Roanoke Valley Community CU, a member-owned, democratically controlled financial cooperative that exists "Not for Profit, not for Charity, but for Service, " is committed to serve the financial needs of our membership. It is our responsibility to maximize the benefits to our members while maintaining financial stability.
Member One Federal Credit Union is a full-service, member-owned financial institution serving the needs of its communities for more than 80 years. Member One is headquartered in Roanoke, VA and serves over 120, 000 members, is more than $1 billion in assets, operates 15 branch facilities.
Blue Eagle® Credit Union has served the greater Roanoke and Lynchburg areas for nearly 70 years as a member-owned, local not-for-profit financial cooperative with a passion for enriching lives. Credit Union has served the greater Roanoke and Lynchburg areas for nearly 70 years as a member-owned, local not-for-profit financial coop
Freedom First is a member-owned, federally insured community financial institution headquartered in Roanoke, VA since its founding in 1956. What sets us apart is that our shareholders are our members — which means that we put our community first. In fact, while most banks evaluate their worth by how much money they keep
Salem VA Credit Union is a member-owned cooperative that operates on a not-for-profit basis. As a federal credit union, we are chartered, supervised and insured by the federal government through the National Credit Union Administration (NCUA). The NCUA insures member share accounts up to $250, 000 per member.
KEMBA has been providing families financial security for well over seventy-five years. Since we're a non-profit financial institution, we return our profits back to our members in the form of better rates, lower fees, and free or low-cost services. We are run by a volunteer board of directors elected by members like you.
We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
