USDA Vs. FHA Pro and Con comparison in West-Springfield, Fairfax County, VA

In 2026, the USDA loan limit for West-Springfield, within the county of Fairfax, VA, is $657,900. The FHA limit for a single-family home is $822,375.

Utilize the Lendersa® USDA loan calculator to compare the top USDA and FHA rates today. Determine the income, credit score, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing the best program in for your specific financial needs.

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2026 Loan Limits and Down Payment Requirements in West-Springfield, Fairfax, VA

Loan Type Loan Limit Down Payment
USDA $657,900 0%
FHA $822,375 3.5%
Conventional Conforming $822,375 3%

USDA and FHA Loan Options in West-Springfield, VA

Lendersa® aims to provide the best possible USDA or FHA loan swiftly and without hassle. Choose one of three pathways that match you with lenders and USDA loan programs.

  1. Submit a detailed USDA/FHA loan request
  2. Discover USDA and FHA rates & terms first
  3. Access the most extensive USDA lender database
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Understanding the USDA Loan in VA

A USDA home loan is a government-guaranteed loan offered by the Department of Agriculture, also known as the USDA rural development loan or USDA mortgage. It is available only in rural areas. Unlike FHA loans needing a minimum of 3.5% down payment, USDA loans require no down payment.

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  • Albany Community Together Inc
  • 230 S. Jackson Street, Suite 333, Albany, GA, 31701

  • Albany Community Together, Inc. (ACT!) was created in 1997 with the primary mission to create opportunities by helping low-wealth individuals who are not served or underserved by traditional financial institutions to build wealth through small business ownership and access to capital. ACT’s mission has evolved to building wealth

  • JM Associates Federal Credit Union
  • 9987 Pritchard Road, Jacksonville, FL, 32219

  • JM Associates Federal Credit Union officially opened its doors on October 21, 1980, at the SET Port Facility. A full-service, federally chartered credit union, JMAFCU serves associates and family members in all 50 states and abroad. JMAFCU currently has 5 offices. Two in Jacksonville, FL, Deerfield Beach, FL, Mobile, AL, St. Louis, MO.

  • First National Bank and Trust Company
  • 2 Kelli Court, Clinton, IL, 61727

  • First National Bank and Trust Company provides generations of customers with personalized banking experiences at every opportunity. Through lifelong learning, exceptional service and the use of technology; we offer our community secure banking options with profitable growth. Member FDIC.

  • DeWitt Savings Bank
  • 302 W Main Street, Clinton, IL, 61727

  • Dewitt Savings Bank is a community bank, which provides residential mortgage loans & auto loans. We pride ourselves on customer service. Our loan officers can help you through the loan process. We have two branches located in Clinton Illinois & Moweaqua Illinois. We seek to provide high quality customer service for our depositors & loan customers.

  • NuView Mortgage LLC
  • 14603 Beach Blvd, Suite 600, Jacksonville Beach, FL, 32250

  • At NuView Mortgage, LLC, 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

  • Future Financial LLC
  • 315 11th Ave. North, Jacksonville Beach, FL, 32250

  • Future Financial LLC, you can guarantee that our team of mortgage professionals puts your future first. Combined, we have over 20 years of financial experience, and have facilitated over $1,000,000,000 in mortgage loans. As a team, we have over 1,000 5-star reviews illustrating our founding principles of stellar customer service.

  • Jacksonville Postal & Professional Credit Union
  • 1820 Rogero Rd, Jacksonville, FL, 32211

  • Jacksonville Postal & Professional Credit union was formed in 1929 by a small group of 12 postal employees. Our credit union has a long and distinguished history, steeped in the philosophy that credit unions are founded on.The credit union was originally chartered, on October 15, 1929 & was the first state chartered credit union in the state of FL.

  • SECURITY BANK AND TRUST COMPANY
  • 210 W Washington St, Paris, TN, 38242

  • Security Bank and Trust Company was founded in 1905, and continues to serve Northwest Tennessee and Southwestern Kentucky. To date, we have thirteen branches throughout the communities including Martin, Milan, Union City, Hornbeak, Fulton, Dyer, Trenton and Humboldt. We are a locally owned

  • Commercial Bank and Trust Company
  • 920 East Wood St, Paris, TN, 38242

  • Catering to personal and small business financial needs since 1877, Commercial Bank and Trust Company is a unique full-service bank, distinguished by its impeccable customer service and refined atmosphere. With eleven branches located throughout Memphis, Paris, Union City, and Jackson, Tennessee, Commercial Bank stands ready to put

  • Holley Credit Union
  • 1107 Mineral Wells Ave., Paris, TN, 38242

  • Holley Credit Union has been serving our members since 1952. We are federally insured by the NCUA to at least $250, 000. Contact us today to see how you can become a member! Credit Union has been serving our members since 1952. We are federally insured by the NCUA to at least $250, 000
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