USDA Vs. FHA your options comparison in Southern-Gateway, Stafford County, VA
In 2026, the USDA loan limit for Southern-Gateway, located in the county of Stafford, VA, is $657,900, while for a single-family home, the FHA limit is $822,375.
Use the Lendersa® USDA loan calculator to compare the best USDA versus FHA rates currently available, and to determine the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can view USDA, FHA, Conforming, and VA loan options side by side, aiding your decision on which program in best matches your financial requirements.
2026 Loan Limits and Downpayment Requirements in Southern-Gateway, County of Stafford, VA
Loan Type
Loan Limit
Down Payment
USDA
$657,900
0%
FHA
$822,375
3.5%
Conventional Conforming
$822,375
3%
Exploring USDA and FHA Loan Options in Southern-Gateway, VA
Lendersa®'s objective is to help you secure the best possible USDA or FHA loan quickly and free of complications. Choose one of three starting points to connect with suitable lenders and explore USDA loan programs that meet your needs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is backed by the government’s Department of Agriculture and is available exclusively in rural areas. Unlike FHA loans that require a minimum of a 3.5% down payment, USDA loans have no down payment requirement, making them particularly beneficial for those eligible in rural communities.
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