In the year 2026, the USDA loan limit for Spotsylvania-Courthouse, located in the county of Spotsylvania, VA, is established at $657,900. For a single-family home, the FHA limit is set at $822,375.
Utilize Lendersa® USDA loan calculator for comparing today's best USDA versus FHA rates. It also helps determine necessary income, credit, and reserve requirements along with the required documents to qualify. Our advanced mortgage calculator lets you compare USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the best program in
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| Loan Type | Loan Limit | Down Payment |
| USDA | $657,900 | 0% |
| FHA | $822,375 | 3.5% |
| Conventional Conforming | $822,375 | 3% |
The aim of Lendersa® is to facilitate access to the best USDA or FHA loan swiftly and with minimal hassle. Choose one of the three initial pathways that lead to connecting with suitable lenders and accessing USDA loan programs.
A USDA home loan, also recognized as a USDA rural development loan or USDA mortgage, is backed by the government's Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans that require at least a 3.5% down payment, the USDA mortgage requires no down payment, providing an advantage for homebuyers in rural areas.
Enter your location to find out if it qualifies for USDA rural housing loan?
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