In 2026, the FHA loan limit in Bluefield county within Mercer, WV, is defined at $472,030 for a single-family home. It rises to $604,400 for two-unit residences, $730,525 for those with three units, and $907,900 for four-unit buildings.
The ceiling for conventional loan amounts on single-family residences is set at $726,200. For duplexes, it increases to $929,850, while triplexes reach $1,123,900, and quadruplexes top out at $1,396,800.
Turn to our FHA calculator to discover today's most favorable FHA rates and to calculate required elements such as down payment, income, credit criteria, reserves, and necessary documentation for qualification.
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The Lendersa® calculator empowers you to assess FHA rates and terms, comparing them with other available loan programs. Investigate your options by weighing Conventional loans, Jumbo loans, VA, USDA, Non-QM, and hard money loans in comparison with FHA.
Lendersa® gathers comprehensive loan program data from thousands of lenders, swiftly matching these with your unique financial profile and requirements.
The Loan Limits Comparison Table for 2026 in Bluefield county of Mercer, WV, presents a thorough look at maximum loan amounts across FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money loans. Utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™) to compare qualification requirements such as income levels, reserves, and credit criteria.
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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