USDA Loan Vs. FHA loan pro & con Sterling, Loudoun County, VA

For 2026, the USDA loan limit in Sterling, within the bounds of Loudoun, VA is $776,600, whereas the FHA limit for a single-family home is pegged at $1,089,300.

Utilize the Lendersa® USDA loan calculator to compare the leading USDA versus FHA rates today and identify the necessary income, creditworthiness, reserves, and documents needed to qualify. Our sophisticated mortgage calculator provides you with the ability to juxtapose USDA, FHA, Conforming, and VA loans side by side, aiding in your decision of the best program in for your precise financial requirements.

USDA and FHA Loan Alternatives in Sterling, VA

The mission of Lendersa® is to efficiently guide you to secure the most favorable USDA or FHA loan available, without any unnecessary hurdles. Begin by selecting one of three different avenues that lead you to compatible lenders and USDA loan programs.

Results from Lendersa USDA loan matching process

Defining a USDA Loan in VA

A USDA home loan is a government-backed loan facilitated through the Department of Agriculture, also referred to as a USDA rural development loan. It is specifically designed for rural areas, and unlike FHA loans requiring at least a 3.5% down payment, USDA loans require no down payment at all.

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Sterling Lenders
(703) 709-8900 Lender's profile and map Northwest Federal Mortgage Lending Center Cary, NC 200 Spring St, Herndon, VA, 20170 Lends in Virginia Northwest Federal will be the lifetime financial partner for our member-owners. Our Mission is To create quality financial relationships for a lifetime by providing valuable financial products and service that exceed members’ expectations. Together, we serve and inspire to transform lives.
(866) 916-8756 Lender's profile and map Mable Loans, LLC 560 Herndon Pkwy, Suite 140, Herndon, VA, 20170 Lends in Virginia Mable is all you need for everything Mortgage + Real Estate. When looking for your home, choosing the right mortgage and real estate team is important just like choosing the right property. Mable has agreements with the top lenders in the country and wholesale pricing resulting in lower rates and payments for you.
(571) 500-6686 Lender's profile and map Advins Mortgage LLC 12005 Meadowville Court, Herndon, VA, 20170 Lends in Virginia Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
(703) 406-8200 Lender's profile and map Potomac Mortgage Advisors LLC 46169 Westlake Drive, Potomac Falls, VA, 20165 Lends in Virginia our mission is to set a high standard in the mortgage industry. We are committed to quality customer service - putting the people we serve first. Our goal is to carefully guide you through the home loan process, so that you can confidently select the best mortgage for you and your family from the many mortgage options that are available today.
(571) 250-2019 Lender's profile and map Strategic Federal Credit Union 22110 Pacific Boulevard, Suite 100, Sterling, VA, 20166 Lends in Virginia Strategic FCU is a not-for-profit, cooperative financial institution owned and governed by its members. Members' deposits are Federally insured and Strategic FCU is Federally regulated by the National Credit Union Administration (NCUA). Our sole purpose is to provide our members with the best possible financial services at the lowest cost.
(888) 233-0092 Lender's profile and map Main Street Home Loans 19775 Belmont Executive Plaza, Suite 350, Ashburn, VA, 20147 Lends in Virginia Main Street Home Loans was founded on the philosophy that “One size does NOT fit all.” Especially when it comes to your home. We take a very consultative approach with every client to ensure that this new mortgage fits within their short- and long-term financial goals.Each of our Home Loan Consultants understand.
(703) 584-0840 Lender's profile and map John Marshall Bank 1943 Isaac Newton Square East, Suite 100, Reston, VA, 20190 Lends in Virginia JMB is a commercial-focused community bank serving businesses and consumers in Northern VA, Maryland, and DC. Our presence is found in the businesses that fuel the local economy. We’re in the background, championing nonprofits and helping them drive their mission forward. But what truly sets us apart is our team.
(703) 885-0850 Lender's profile and map Guidance Residential 11107 Sunset Hills Road, Suite 200, Reston, VA, 20190 Lends in Virginia Guidance Residential specializes in Shariah-compliant home financing in the U.S. Our unique Declining Balance Co-ownership Program was created under the guidance of 7 globally renowned Shariah scholars & 18 U.S. law firms to ensure it meets strict adherence to legal jurisprudence of Islamic faith & conforms to U.S. legal & regulatory requirements.
(800) 213-8982 Lender's profile and map Mortgage X Home Loans 1984 Isaac Newton Square W, Suite 304, Reston, VA, 20190 Lends in Virginia Mortgage X Home Loans As the Mortgage Lending has evolved so have we. Mortgage regulations and guidelines are constantly changing. We are on top of the information wave. Great rates, low cost and customer satisfaction is standard business based on our model. We strive to provide more.Established in 2002.