FHA VS Conventional loan programs in 2026 for Bluefield, Mercer County, West Virginia

In 2026, for a conventional loan in Bluefield, found in Mercer County, WV, the limit is $726,200, while the FHA limit for a single-family home is $472,030.

With the Lendersa® Conventional loan calculator, compare today's top rates for Conventional, FHA, and USDA loans to determine the necessary income, credit, reserves, and documentation required for qualification. Our advanced mortgage calculator puts Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the most suitable program in WV for your financial circumstances.

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Loan Limits and Down Payment Requirements for 2026 in Bluefield, Mercer County, WV

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

This table applies to zip codes: 24701

Selecting Conventional and FHA Loan Options in Bluefield, WV

Lendersa® aims to provide the best Conventional, USDA, or FHA loan efficiently and without hassle. Choose one of three starting methods to identify matching lenders and optimal loan programs.

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Bluefield Lenders

  • MCNB Banks
  • 75 Wyoming Street, Welch, WV, 24801
  • Lends in West Virginia
  • At MCNB, we want to build meaningful, mutually beneficial relationships with our customers and communities. Our Mission and Values provide daily guidance to us to ensure we meet our own expectations. It is our intention that these guiding principles will be visible as you interact with us.