USDA and FHA Pro and Con 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 .

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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.

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Understanding the USDA Loan in VA

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Goodfield State Bank
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    Goodfield State Bank was officially incorporated in the State of Illinois in December of 1920

  • Foxpoint Lending
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    Our loans are frequently termed asset-backed loans because they are backed by the col

  • Community & Teachers Federal Credit Union
  • 1169 South Broadway, East Providence, RI, 02914
  • Community & Teachers is a full service, not-for-profit cooperative financial institution that has been serving “Townies” for over 55 years. Founded in 1960 by eight teachers, the Credit Union was initially only able to extend membership if the person was employed by the school department.

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  • Troy City Mortgage LLC
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  • Troy City Mortgage, we work hard to get our clients approved so they can experience the benefits of homeownership. We guide first-time buyers through what it takes to achieve their dream of owning a home.and also we work with existing homeowners on everything from refinancing to home equity.

  • Province Mortgage Associates, Inc
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  • Worcester Fire Dept Credit Union
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  • Senior Reverse Mortgage Group, Inc.
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  • Our mission at Fidelity Mortgage Capital is to serve our customers with honesty, integrity, and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.

  • Amerifinancial Home Mortgage Inc
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  • We are dedicated to making the loan process a satisfying experience. We use up-to-date technology to provide you with the tools necessary to research the loan right for you, find answers to mortgage questions, and complete the mortgage application process. Our goal is to help the you find a loan that fits your unique needs.

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