Explore the differences! FHA VS Conventional loan programs in Wise, Wise County, Virginia

In the year 2026, the maximum allowance for a Conventional loan in Wise, located in the county of Wise, VA, is set at $726,200. Meanwhile, for a single-family home, the FHA limit is established as $472,030.

Leverage the Lendersa® Conventional loan calculator to explore and contrast the best, current rates for Conventional, FHA, and USDA loans. Determine what income, credit, reserves, and documentation you need to qualify. Our sophisticated mortgage calculator offers a side-by-side comparison of Conforming Conventional, USDA, FHA, and VA loans, helping you choose the best suited program in VA for your financial situation.

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2026 Loan Limits and Downpayment Requirements in Wise, Wise County, VA

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

This table is applicable to the following zip codes: 24293

Options for Conventional and FHA Loans in Wise, VA

The aim of Lendersa® is to smoothly secure the best possible Conventional, USDA, or FHA loan for you without hassle. Begin with any of the three suggested starting points to find suitable lenders and loan programs.

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Wise Lenders

  • First Bank and Trust Company
  • 667 West Main Street, Abingdon, VA, 24210
  • Lends in Virginia
  • First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee.

    The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches

  • TruPoint Bank
  • 20089 Riverside Drive, Grundy, VA, 24614
  • Lends in Virginia
  • In 1975, a group of individuals had a vision and a dream that banking could and should be better for YOU, the hard working citizens of this region. The goals included helping new businesses to become established and many older ones to expand ... provide opportunities for our children

  • First Sentinel Bank
  • 315 Railroad Avenue, Richlands, VA, 24641
  • Lends in Virginia
  • Local people serving local people. Our motto is the driving force behind all of First Sentinel Bank's efforts to build deeper connections with our communities, our customers, and our employees. First Sentinel Bank continues to stand apart from competitors through grass-roots involvement with our local communities.