As of 2025, 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.
2025 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.
Our priority is to know YOUR GOALS to ensure we have Strategies that fits YOUR NEEDS. Every credit profile is unique and we work hard to address both short and long term goals. Our Purchase program focus on a unique FULL-APPROVAL process that will enhance your ability to negotiate your Dream home.
Since 2001, I have had the opportunity to help over 1,000+ clients buy and/or refinance their properties. I understand the stresses of buying a home and know how to help people anticipate what comes next. Likewise I understand the value and freedom that can be created with the right refinance strategy.
Alliance Portfolio is a full service, boutique, private money lender. We serve borrowers who have unique situations that do not meet strict institutional guidelines, while providing investment opportunities that are well secured and well underwritten with desirable returns on investment capital.
I invest my time focusing on your financing priorities, explaining your options and delivering the world class experience you expect. My goal is to earn your trust, respect and heartfelt referrals. My vision is to build strong, lifelong relationships, starting today with you. Scott Fredrickson Brentwood Pacific Financial
Premier Lending Group has a successful 20 year proven track record of closing Conventional and Government Loans, with a specialty in Reverse Mortgage Loan origination. Our top priority is providing unparalleled Customer Service and Satisfaction to our clients. We take pride in always being available to clients, and place the customers’ needs first.
Pegasus Financial has arranged thousands of loans all over California and the Nation. We have a large variety of lending products and the expertise to help you select the right loan for you. Whether you have great credit, or have had problems in the past, we can help you where others can't.
1403 North Batavia Street, Suite 202, Orange, CA, 92867
Whether you’re buying, selling, refinancing, or building your dream home, you have a lot riding on your loan officer. Since market conditions and mortgage programs change frequently, you need to make sure you’re dealing with a top professional who is able to give you quick and accurate financial advice.
Certified Capital Home Loans exists to accomplish your mortgage goals, & we have the history, knowledge, lending partnerships & customer focus to make those goals a reality. Home Purchases are completed on time & with complete transparency of the process, & we are strategically partnered to provide loans that often don't require a down payment.
NeighborWorks Orange County is a California 501(c)(3) non-profit organization that exists to serve the Orange County community, where the high cost of living presents significant challenges for low-to-moderate income families and individuals. Our mission is to strengthen communities and enhance the quality of life for working families by expanding.
2811 East Katella Avenue, Suite 100, Orange, CA, 92867
"Rose Financial Family-owned and operated over five decades, Rose Financial is a bonafide lender/creditor with in-house decision making and underwriting. The company makes and services residential and commercial real estate loans for a broad range of consumers in California.
Located in the City of Orange, Rose Financial began in 1948"
