FHA VS Conventional loan programs in 2026 for Galax, Galax County, Virginia

In the year 2026, the conventional loan cap in Galax, which is in Galax County, VA, stands at $726,200. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Utilize the Lendersa® Conventional loan calculator to contrast today's most favorable rates among Conventional, FHA, and USDA loans. It enables you to determine the necessary income, credit, reserves, and documentation for qualification. With our sophisticated mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, helping you chose the most appropriate program in VA for your financial requirements.

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2026 Loan Limits and Down Payment Requirements in Galax, Galax County, VA

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

This table covers zip codes: 24333

Options for Conventional and FHA Loans in Galax, VA

The mission of Lendersa® is to swiftly connect you with the best Conventional, USDA, or FHA loan available without hassle. Begin with one of the three pathways to match with compatible lenders and loan programs.

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Galax Lenders

  • First NRV Credit Union
  • 900 W. Main St, Radford, VA, 24141
  • Lends in Virginia
  • Our credit union was first chartered on June 4, 1937 - that means that our credit union is now over 80 years old - to help serve the needs of the employees of the Radford Pipe Shop (known locally as the Foundry), and was originally named the "Radford Pipe Shop Employees Federal Credit Union".

  • Virginia Community Capital
  • 110 Peppers Ferry Road NW, Christiansburg, VA, 24073
  • Lends in Virginia
  • Virginia Community Capital is a Community Development Financial Institution (CDFI) with a mission to create jobs, energize places, and promote an enhanced quality of life for Virginians. With offices in Christiansburg, Norfolk, and Richmond, we offer innovative and flexible financing tools throughout the state.

  • National Bank of Blacksburg
  • 100 South Main Street, Blacksburg, VA, 24060
  • Lends in Virginia
  • Founded in Blacksburg in 1891, National Bank has been serving the citizens of Southwest Virginia for well over a century. With 25 full-service branch offices and $1.2 billion in assets, the bank has grown along with our region’s dynamic economy while staying true to its community banking roots.

  • First Residential Mortgage Corporation
  • 1344 N Main St, Blacksburg, VA, 24060
  • Lends in Virginia
  • FRM company and we represent your best interests, not the big banks. We’ve been in business for over 20 years and we thrive on providing our clients with an outstanding mortgage experience. With offices in Blacksburg, Marion, and Abingdon we serve clients throughout Virginia. We’ve built our business by being an advocate for our clients.