USDA and FHA Pro and Con in Williamsburg, Williamsburg County, VA

As of 2025, the USDA loan limit for Williamsburg, situated in Williamsburg County, VA, is $367,000. Meanwhile, the FHA limit for a single-family home is $507,150.

Make use of the Lendersa® USDA loan calculator to evaluate today's leading USDA and FHA rates. It helps determine the income, credit score, reserves, and necessary documents to qualify. Using our advanced mortgage calculator, you can see USDA, FHA, Conforming, and VA offerings side by side, assisting you in deciding which program in is best for your financial situation.

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2025 Loan Limits and Downpayment Requirements in Williamsburg, Williamsburg County, VA

Loan Type Loan Limit Down payment
USDA $367,000 0%
FHA $507,150 3.5%
Conventional Conforming $726,200 3%

Options for USDA and FHA Loans in Williamsburg, VA

Lendersa® aims to seamlessly connect you with the best USDA or FHA loans quickly and efficiently. Start by selecting one of three strategies for discovering matching lenders and suitable USDA programs.

Lendersa USDA loan request and results

Understanding USDA Loans in VA

A USDA home loan is guaranteed by the Department of Agriculture, also known as a USDA rural development loan or mortgage. It is only available in rural neighborhoods. Contrary to FHA loans that demand a 3.5% minimum down payment, the USDA mortgage requires no down payment.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Library of Congress Federal Credit Union
  • 8100 Professional Place, Suite 308, Hyattsville, MD, 20785
  • The Library of Congress Federal Credit Union has been proudly serving the library community since 1935. We believe the library community advances America's great story. And we are here to advance your financial life story. This is our way of giving back to a library community that gives so much to the world.
  • Commonwealth Financial Services Inc
  • 210 East Broad Street, Suite 203, Falls Church, VA, 22046
  • At Commonwealth Financial Services inc we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.
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  • 125 N Washington St, Falls Church, VA, 22046
  • Congressional Capital, LLC is the leading hard money lender in DC, dedicated to providing fast and flexible direct, private loans to DC developers and borrowers. The lending experts at Congressional Capital provide full spectrum services related to private/hard money real estate transactions
  • Georgetown University Alumni & Student Federal Credit Union
  • 3700 O Street NW, Suite 1328, Washington, DC, 20057
  • The mission of the Georgetown University Alumni and Student Federal Credit Union is to grant credit for provident and productive purposes, to provide affordable financial services to its members, and to educate its members and volunteers about the credit union movement through practical business experience
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  • First Washington Mortgage, LLC
  • 2233 Wisconsin Ave NW, Suite 232, Washington, DC, 20007
  • First Washington Mortgage is a premier mortgage lender serving the Maryland, Washington DC, Virginia, New Jersey, Pennsylvania, Delaware and Florida areas. We offer mortgage loans for individuals with all types of credit, providing service for all residential real estate related purposes.
  • Cornerstone First Financial
  • 2300 Wisconsin Avenue NW, Suite 100B, Washington, DC, 20007
  • Cornerstone First Financial is a leading mortgage broker and lender in the Washington D.C. Metropolitan Area. Founded by Mark Livingstone in 2001, this Christian owned company provides residential mortgage solutions to individuals and families who want to refinance their existing mortgage or purchase a new home or investment property.
  • Evergreen Private Finance
  • 1010 Wisconsin Ave N.W., Suite 307, Washington, DC, 20007
  • Evergreen Private Finance is an active real estate lender and investor based in Washington, DC. Our firm was founded on the belief that Washington is a world-class city with unparalleled investment opportunities. We provide both debt and equity investments for projects that enhance the city. We specialize in hard money loans, bridge loans, acquisit
  • DC Credit Union
  • 3059 Mount Pleasant Street NW, Washington, DC, 20009
  • DC Credit Union We're a community development financial institution, serving over 10, 000 member-owners' with affordable financial transactions and education. We have three branches: the Reeves Center, the Municipal branch, and the ACCESO branch. Check out our website for more details on locations, hours, and services
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  • Arlington Community Federal Credit Union
  • 2130 N Glebe Rd, Arlington, VA, 22207
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  • Howard University Employees Federal Credit Union
  • 525 Bryant Street NW, Room C-102, Washington, DC, 20059
  • Howard University Employees Federal Credit Union was chartered in Washington, DC on October 11, 1935, the same year that the Federal Credit Union Act became law. Thanks to the courage and foresight of eleven charter members, our credit union was formed with the common bond to serve employees of Howard University and members of their families.