In 2026, the USDA loan limit for Smithfield in the county of Isle of Wight, VA, is $391,000, whereas the FHA limit stands at $507,150 for a single-family home.
Utilize the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates available today and determine the income, credit, reserves, and documents required for eligibility. Our advanced mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA options, aiding you in selecting the most favorable program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $391,000 | 0% |
| FHA | $507,150 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
The aim of Lendersa® is to deliver the best USDA or FHA loan options promptly and with ease. Choose from one of three initial steps that link you to matching lenders and USDA loan programs.
A USDA home loan, guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans that need a minimum down payment of 3.5%, USDA mortgages do not require any down payment.
Enter your location to find out if it qualifies for USDA rural housing loan?
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