FHA VS Conventional loan in Merrifield, Fairfax County, Virginia

In 2026, the conventional loan limit in Merrifield, which is part of the county of Fairfax, VA, is $1,089,300, whereas the FHA limit for a single-family home is $1,089,300.

Utilize Lendersa®'s Conventional loan calculator to evaluate today's top rates for Conventional, FHA, and USDA loans. This will help determine the income, credit requirements, reserves, and documents essential for qualification. With our advanced mortgage calculator, Conforming Conventional, USDA, FHA, and VA loans are compared side by side, assisting you in selecting the most suitable program for your financial situation in VA.

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Loan limits for 2026 and down payment requirements in Merrifield, county of Fairfax, VA

Loan Type Loan Limit Down Payment
Conventional Conforming $1,089,300 3%
USDA $657,900 0%
FHA $1,089,300 3.5%

This comparison table is applicable to zip codes: 22031, 22042, 22180, 22081, 22082, 22119

Conventional and FHA loan options in Merrifield, VA

At Lendersa®, our goal is to quickly and efficiently find you the best Conventional, USDA, or FHA loan without any hassles. Start by selecting one of three available paths, each leading to a match with suitable lenders and loan solutions.

Lendersa USDA loan request and matching results


  • People's Alliance Federal Credit Union
  • 125 Wireless Boulevard, Hauppauge, NY, 11788
  • Founded in 1940 as the Pan American World Airways Credit Union, PAFCU currently serves 40, 000 employees of over 400 different companies throughout the United States. At PAFCU, there are no customers—everyone is a member and owner of the credit union and receives friendly, respectful service from the staff

  • Lighthouse Mortgage Corporation
  • 527 Townline Road, Suite 305, Hauppauge, NY, 11788
  • Lighthouse Mortgage Founder/President. Brokered in excess of $600 million in real estate loans, commercial and residential. Hired and trained a staff of 20 sales people and 5 support staff. Developed program to expedite loan process from initial borrower contact through appraisal, underwriting and closing ensuring quick turnaround time.

  • Island Federal Credit Union
  • 120 Motor Parkway, Hauppauge, NY, 11788
  • Island Federal Credit Union, headquartered in Hauppauge, N.Y., is a not-for-profit, full-service financial institution, providing affordable banking products and services to Long Islanders. Founded in 1955, Island has grown to be among the top-performing credit unions in New York State with over $1 billion in assets, serving more than 45, 000

  • Evolution Mortgage Inc
  • 140 Adams Avenue, Suite A5, Hauppauge, NY, 11788
  • Our team is local to Long Island, and as CPA’s we make sure we get you the loan product that makes the most financial sense for you. We curate a process that is tailored to you and explain where every cent of your money goes because we always do the right thing by our clients. Take advantage of our historically low rates, refinance.

  • Coltrain Funding Group LLC
  • 140 Fell Court, Suite 101, Hauppauge, NY, 11788
  • Coltrain Funding Group LLC, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Home Reliance Capital
  • 145 Marcus Blvd Suite 4, Hauppauge, NY, 11788
  • Our mortgage rates have consistently been some of the most competitive in New York, if not the lowest. Our success is based upon our strong level of commitment to our clients. We take the time to get to know you through personal attention and communication.We remember that we work for YOU, not the other way around.

  • RCG Mortgage
  • 490 Wheeler Rd, Suite 252, Hauppauge, NY, 11788
  • Mortgage broker based in Long Island, New York who prides themselves on their transparency, accountability, and ability to provide a "Nordstrom" experience with the efficiency of a "Ford" assembly line. RCG works with all clients, no matter what their financial goals may be.RCG Mortgage is your online resource for personalized mortgage solutions.

  • Innovative Closing Solutions
  • 351 N Peace Haven Rd., Winston Salem, NC, 27104
  • At ICS, we assess each transaction based on its own needs so that we can provide you with the right services for the situation. We are experienced with and equipped to handle contracts for deeds, private loans, lease purchases, lease options, purchase agreements, refinance closings, seller financing, assignments,

  • Putnam Capital Services
  • 1013 Route 6, Mahopac, NY, 10541
  • At Putnam Capital Services, we treat each customer as an individual, not a number. We don't place you into a loan profile formula created by the banking industry. We use "common sense" and will help you obtain the best loan possible. We represent a wide range of "A" rated lenders with first quality rates to private "hardship" lenders.

  • Avant Capital Partners
  • 51 Locust Avenue Suite 204, New Canaan, CT, 06840
  • Avant Capital® provides mortgage financing to owners of commercial and multifamily real estate in the $1 to $60+ million range. We focus on properties in major markets nationwide We are experiencing strong demand for our bridge loan product as commercial banks have reduced CRE lending or are unable to meet borrowers’ closing timelines.

  • Quick Real Estate Funding Nationwide Private Lender
  • 40 Richards Ave, Suite 300, Norwalk, CT, 06854
  • Quick Real Estate Funding we are finding new ways to make Private Money Funding more accessible. We have the resources to invest in many different markets, we have been able to gain a lot of experience providing funds for real estate across the state, including a ground up construction loan in Connecticut.