Explore the differences! FHA VS Conventional loan programs in Bedford, Bedford County, Virginia
In 2026, the conventional loan limit for Bedford in Bedford County, VA, is $726,200. Meanwhile, the FHA limit for a single-family home is $472,030.
Use the Lendersa® Conventional loan calculator to compare current rates for Conventional, FHA, and USDA loans. It helps identify the income, credit, reserves, and documents needed for qualification. This advanced tool shows Conforming Conventional, USDA, FHA, and VA loans side by side, helping you decide which program in VA is the best fit for your financial requirements.
2026 Loan Limits and Downpayment Requirements in Bedford, Bedford County, VA
Loan Type
Loan Limit
Down Payment
Conventional Conforming
$726,200
3%
USDA
$349,600
0%
FHA
$472,030
3.5%
This table applies to the zip codes: 24523
Options for Conventional and FHA Loans in Bedford, VA
The aim of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan for you quickly and without hassle. Choose from one of three starting points that match you with compatible lenders and programs.
At Select Bank, we can help you manage your time and your money. We’ve brought together old-fashioned service and the latest tools and technology in order to provide you with the products and services you need, when you need them – and on your terms. We’re focused on treating every customer like they’re our only customer.
"TY Mortgage, LLC, has a team of experienced and highly skilled loan consultants that will help you determine which loan option is best suited for your situation. At TY Mortgage, we help you get the loan that you want in the time frame you want it in. Purchase or Refinance Mortgage Residential or Commercial.
Bank of Botetourt "Taking Care of You" is more than a slogan, it's our promise to the community. For over 120 years, Bank of Botetourt has been committed to reaching out within our local communities to do all we can to further the area's overall economic development. As a community partner, we make charitable contributions for education.
We are committed to quality customer service - putting the people we serve first. we have the right loan program for you. Whether you looking for Purchase, Refinance, or Specialized Loans, we can do it! Specializing in residential mortgage loans for purchases, refinances and equity lines/loans
Beacon Credit Union is a full-service financial institution, offering a wide range of products and services. Having served Lynchburg and the surrounding area for over 75 years, our "vision" is to be the premier provider of quality financial services, a leader in our community and the most progressive financial institution in our field
Central Virginia Federal Credit Union offers a fresh, unique alternative to banks. Like other financial institutions, we offer a full range of financial products and services. Unlike the others, we are not-for-profit. putting those savings in your pocket! Here you are more than a customer, you're a member.
"ALCOVA Mortgage started with a friendship. Bound by a common background and inspired by a passion to serve, childhood friends Bobby Nicely, Billy Siple and Rob Lindstrom dreamed of one day starting a business.
“When I bought my first house, I realized how confusing the mortgage process could be."
We believe working with our friends & neighbors means we can offer more personal,more individualized service than you might get elsewhere.The mortgage loan expert who begins the process with you will work with you all the way through closing. They’ll answer questions,openly sharing advice & helping through all the steps until your loan is approved.
Freedom First is a member-owned, federally insured community financial institution headquartered in Roanoke, VA since its founding in 1956. What sets us apart is that our shareholders are our members — which means that we put our community first. In fact, while most banks evaluate their worth by how much money they keep
