USDA Loan Vs. FHA loan pro & con for Spotsylvania-Courthouse, Spotsylvania County, VA

In 2025, USDA loan limit in Spotsylvania-Courthouse, county of Spotsylvania, VA is $657,900 while FHA limit is $822,375 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Get top 10
USDA LENDERS
customized to yout needes

USDA and FHA loan options in Spotsylvania-Courthouse, VA

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in Virginia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(701) 597-3391 1324 miles Lender's profile and map Reviews Flasher Community Credit Union 105 N Main Street, Flasher, ND, 58535 Flasher Community Credit Union is a community chartered credit union open to all people living within a 50-mile radius of Flasher, ND. We have been in business since 1939 serving the financial needs of our members. The credit union is a financial cooperative owned by its members.
(308) 772-3234 1324 miles Lender's profile and map Reviews Nebraska State Bank 218 Main Street, Oshkosh, NE, 69154 In the last 100 years, Nebraska State Bank has gone from an ag bank serving farmers in Western Nebraska, to an FSA loan specialist serving ag operations nationwide. And when you meet our lobby staff, you’ll find competent, friendly folks who take pride in knowing our customers, and take care of you like you’re our own.
(210) 945-3300 1326 miles Lender's profile and map Reviews Randolph-Brooks Federal Credit Union PO Box 2247, Universal City, TX, 78148 We are committed to helping our members save time, save money and earn money. Our team of dedicated professionals is here to help you achieve your goals and build a strong financial future. Randolph-Brooks Federal Credit Union is focused on helping members save time, save money and earn money.
(620) 697-2777 1327 miles Lender's profile and map Reviews Heartland Tri-State Bank 601 Morton Street, Elkhart, KS, 67950 Heartland Tri-State Bank opened its doors on January 2, 1985. Heartland Tri-State Bank is a full service community bank offering a broad range of traditional products, along with personalized service to meet our customers' needs. In 2011 a local group of investors formed a Bank Holding Company
(806) 857-3319 1329 miles Lender's profile and map Reviews Texoma Federal Credit Union 1 Texoma Boulevard, Fritch, TX, 79036 Texoma Federal Credit Union is a full-service, not-for-profit cooperative financial institution. It was formed for the purpose of encouraging savings by offering a good rate of return, using collective moneys to make loans at competitive, low rates and providing other useful financial resources
(210) 656-1134 1329 miles Lender's profile and map Reviews GROVE MORTGAGE HOME LOANS 11405 Forest Shower, San Antonio, TX, 78233 Grove mortgage home loan be the premier mortgage provider in Texas, and your home mortgage solution. Our mortgage specialists place clients at the center of everything, exceeding expectations and building relationships that last a lifetime. We do what is right for the client by providing honest and reliable information.
210.702.8811 1329 miles Lender's profile and map Reviews WIN WIN CAPITAL FUNDING 24300 Wilderness Oak Suite 330, San Antonio, TX, 78260 Up to 100% Leverage on fix & flip 1-4 unit properties in non judicial states, no credit or appraisal/experience requirements. We also offer up to 90% on commercial properties, and 100% CLTV as well with seller carry 2nds. Rates from the 9's and up on bridge and 5's & up on perm products. All property types nationwide, owner occupied as well. G
(325) 754-4505 1329 miles Lender's profile and map Reviews The Security State Bank 700 S. Main, Winters, TX, 79567 The Security State Bank was founded in 1917 by a group of local residents and businessmen. The bank operated in Wingate, Texas while establishing close relationships with many area residents over the years. In September 1958 The Security State Bank was authorized as a Texas Banking Corporation by the Texas Department of Banking.
(830) 997-7575 1331 miles Lender's profile and map Reviews Security State Bank & Trust 201 West Main Street, Fredericksburg, TX, 78624 Security State Bank & Trust was born in the heart of Fredericksburg, Texas. In 1941, a group of local businessmen saw a need for a new bank to better serve the community’s needs. We officially opened for business in the former Buckhorn Saloon building at 201 West Main Street where we still reside.
(325) 597-2104 1331 miles Lender's profile and map Reviews The Brady National Bank 101 S. Blackburn St., Brady, TX, 76825 Brady National Bank was chartered in 1905 and is the oldest bank in McCulloch County. Our safe and sound banking practices, as well as our ability to meet the needs of our local community, promises we'll be around for another 100 years. We have a long-time history of offering modern financial conveniences while still providing
(325) 597-2961 1331 miles Lender's profile and map Reviews The Commercial National Bank of Brady 105 E. 2nd Street, Brady, TX, 76825 Our full service banking offices are located in Brady and San Saba. Our local ownership enables us to deliver an unmatched level of personal service to each and every customer. While we will never stray from our commitment to personal service, we realize that technology is reshaping the way that individuals and customers conduct business.
(325) 597-2252 1331 miles Lender's profile and map Reviews Central Texas Farm Credit PO Box 1231, Brady, TX, 76825 Central Texas Farm Credit provides financing for farms and ranches, operating expenses, Livestock and equipment, recreational property, and country homes. As a Central Texas Farm Credit borrower, you are a member of a cooperative and entitled to share in its financial success. Established in 1916.