In 2026, the USDA loan limit for Winchester, within Winchester County, VA, is $285,000. In comparison, the FHA limit for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to assess today's top USDA versus FHA rates, identify needed income, credit, reserves, and paperwork for qualification. Our advanced mortgage calculator places USDA, FHA, Conforming, and VA options side by side, helping you choose the program that suits your financial situation in .
2026 Loan Limits and Downpayment Requirements in Winchester, Winchester County, VA
Loan Type
Loan Limit
Down payment
USDA
$285,000
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Winchester, VA
Lendersa® aims to connect you with the best USDA or FHA loan options quickly and without hassle. Choose one of three starting strategies to link with lenders and explore USDA loan programs.
A USDA home loan is secured by the Department of Agriculture, commonly referred to as a USDA rural development loan or USDA mortgage, and is only available in rural zones. FHA loans require at least a 3.5% down payment, while USDA mortgages need no down payment at all.
158 Front Royal Pike, Suite 101, Winchester, VA, 22602
Lends in Virginia
Since opening in 1961, Midway Federal Credit Union has been proud to serve the Mt. Weather Federal Employee community. We’re committed to not only providing quality products and services, but going above and beyond to ensure our customers are completely satisfied. We welcome you to look through our site to see all we have to offer.
Integrity Home Mortgage Corporation is headquartered in Winchester Virginia and serving the following states Virginia, West Virginia, Maryland, Pennsylvania and DC.
Integrity Home Mortgage Corporation first opened its doors in 2005 when Adam Huddleston, CEO and President, saw a need to improve the mortgage industry
SUCCESS MORTGAGE, LLC believe in working hard to get the job done. Our leaders set the example, and it’s this example that encourages the entire team to reach for the goal of greatness. Together, we work hard to be leaders in the industry, to stand out from the competition, and, above all, to make sure our customers are satisfied.
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At Bank of Clarke County, protecting the privacy and confidentiality of your personal information is important to us. We value your business and the trust you put in us. Please do not send confidential information such as account numbers, social security numbers, or credit card information through this form, as this is not a secure form of communic
With a name like First Bank, of course we believe there’s power in one. You make a better world one person at a time. And you build a better bank one satisfied customer at a time.
You are an individual, unlike any other. Your unique wants and needs drive this bank to be different, better, a cut above the rest. You are our “why, ” “who” and “ho
Chartered in 1949, Front Royal Federal Credit Union began its tradition of “people helping people” to save regularly and provide a source from which to borrow at low interest rates. Earnings remaining after expenses and capital reserves are returned to members in the form of more competitive share
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