USDA and FHA Pro and Con in West-Point, King William County, VA
In 2026, the USDA loan limit for West-Point, located within King William county, VA, is set at $428,720. Comparatively, the FHA limit for a single-family home is $535,900.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today's optimal USDA vs. FHA rates. This tool assists you in figuring out the necessary income, credit score, reserves, and documentation required to qualify. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA options side by side, facilitating your decision on which program in is most fitting for your financial situation.
2026 Loan Limits and Downpayment Requirements in West-Point, County of King William, VA
Loan Type
Loan Limit
Down Payment
USDA
$428,720
0%
FHA
$535,900
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in West-Point, VA
Lendersa® is focused on facilitating access to the best USDA or FHA loan quickly and without hassle. Select from one of three starting pathways to connect with matching lenders and access USDA loan programs tailored to your needs.
A USDA home loan, also known as a USDA rural development loan or USDA mortgage, is a government-backed loan by the Department of Agriculture, available exclusively in rural areas. Unlike FHA loans requiring a 3.5% down payment, USDA loans require no down payment at all, making them an appealing option for eligible rural borrowers.
The founders of C&F Bank recognized the need for a strong, solid financial institution that would serve local businesses and the customers that lived and worked in our communities. Through the years, C&F Bank has proved that dedicated, well-trained employees, a commitment to outstanding service & a diverse offering of quality financial products.
Baylands Family Credit Union was formed over 70 years ago to assist with the financial needs of the West Point paper mill employees and their families. Over time Baylands has grown to become a state-chartered community credit union with a robust platform of services to offer all our members.
"Lenders Funding provides the assurance you need to grow or take on larger clients. As you increase your own source of funds, you can retire our participation, maximizing your ability to earn.
Since formation, we have worked with over 150 lenders and factors and have supplied several hundred million dollars in funding."
1st Call Mortgage LLC 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
Brightleaf Mortgage, we take a consultative approach to the home loan process by customizing each transaction to help our customers achieve their home financial goals. Any loan officer can get you a loan. Our mission is to get you the right loan for your Richmond, Virginia home.Integrity is the cornerstone of Brightleaf Mortgage.
We are a full-service mortgage company based in Richmond, VA. We specialize in VA Loans, FHA Loans,& JUMBO Loans in Richmond. We also serve the surrounding cities in Richmond City County. Whether you are buying a home or refinancing, we can help you realize your dream of homeownership or save you money when getting your new lower monthly payment.
Hopewell Chemical Federal Credit Union has been open since 1965. The credit union has assets totaling $49.69 Million and provides banking services to more than 3, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
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.
Atlantic Union Bankshares Corporation is the holding company for Atlantic Union Bank. Atlantic Union Bank has 149 branches located throughout Virginia, and in portions of Maryland and North Carolina. We believe people have a right to expect more from the companies they do business with – and they can expect more from Atlantic Union Bank.
