In 2026, the USDA loan limit for South-Hill, situated in Mecklenburg county, VA, is set at $285,000, whereas for a single-family home, the FHA limit is $356,362.
Make use of Lendersa® USDA loan calculator to evaluate today's best USDA vs. FHA rates, and determine the needed income, credit score, reserves, and documentation for qualification. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA options side by side, aiding you in deciding which in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
Lendersa®'s mission is to secure the best possible USDA or FHA loan swiftly and without hassle. Choose from one of three options for connecting with matching lenders and exploring USDA loan programs tailored to your needs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is secured by the government's Department of Agriculture. Available only in rural neighborhoods, it contrasts with FHA loans that stipulate a minimum 3.5% down payment, as the USDA mortgage requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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