As of 2026, the USDA loan limit in Rocky-Mount, located within Franklin county, VA, is $285,000. Meanwhile, for a single-family residence, the FHA limit is $356,362.
To evaluate and compare the best available USDA vs. FHA rates today, you can utilize the Lendersa® USDA loan calculator. This tool also allows you to assess the income, credit, reserves, and required documentation for qualification. Our advanced mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA loans, assisting you in identifying the most suitable program in based on your financial situation.
2026 Loan Limits and Down Payment Requirements in Rocky-Mount, County of Franklin, VA
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in Rocky-Mount, VA
Lendersa® is committed to efficiently securing the best possible USDA or FHA loan for you, with minimal hassle. Choose one of the three initial steps below to connect with lenders and discover USDA loan programs.
A USDA home loan is backed by the U.S. Department of Agriculture, often called a USDA rural development loan or USDA mortgage. It's exclusively available in rural areas. In contrast to FHA loans, which require a minimum down payment of 3.5%, USDA mortgage loans have no down payment requirement.
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Bellwether Funding has over 85 lenders to refinance commercial loans, ranging from investment real estate to unique, special use, retail, office, & industrial properties. These companies either don’t qualify for bank financing, or have growth needs that exceed normal financing programs. During these difficult economic times
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HarborOne Mortgage has been a leader in residential mortgage lending. Our reputation as a premier service provider has been the key to our success. As a wholly owned subsidiary of HarborOne Bank. we offer a seasoned team of experienced mortgage professionals backed by the strength of New England’s largest state-chartered cooperative bank.
The Peabody Municipal FCU is a nonprofit organization independent of the City of Peabody. Credit Union is owned and operated by its members to encourage savings and to provide funds for member needs at competitive rates. and also Peabody Municipal Federal Credit Union is dedicated to providing competitive financial products and superior service to
Luso American Credit Union was founded in 1960 to serve the financial needs of the local community. We are a full service Credit Union and offer financial products, services, and delivery channels that you may expect from a larger financial institution, with the personalized and professional service that you crave.
Miller Mortgage is a licensed mortgage broker in Massachusetts & New Hampshire.Located Boston in Peabody, MA our mission is to provide the best customer service & secure the lowest mortgage interest rates from our lending partners.Our volume enables us to procure very low mortgage rates and flexible programs in the Massachusetts and New Hampshire.
1000 Lake Saint Louis Blvd, Suite 208, Lake Saint Louis, MO, 63367
Our company was founded in 1999 with your best interest in mind. Almost two decades of experience in the mortgage business and helping clients like you achieve their goals helps to set us apart! We pride ourselves in taking the time and effort to get to know you and better help you understand the mortgage process.
We are passionate about getting to know our clients so we can find the best loan program for them. We offer our clients the benefit of our years of experience in the mortgage industry and an extensive range of loan solutions, including Conventional, FHA, Investment, Jumbo, and Refinancing options.
