FHA Vs. USDA loan program for Wise, Wise County, Virginia

For 2026, the USDA loan limit in Wise, county of Wise, VA, is $336,500, whereas the FHA limit for a single-family home is $472,030.

You can use the Lendersa® USDA loan calculator to evaluate and compare today's top USDA vs. FHA rates, helping you determine the necessary income, credit, reserves, and required documentation for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, guiding you in selecting which program in best fits your financial situation.

Exploring USDA and FHA Loan Options in Wise, VA

The aim of Lendersa® is to swiftly secure the best USDA loan or FHA loan for you without hassle. Select one of three initial pathways to connect with matching lenders and discover USDA loan programs.

Lendersa USDA loan request and matching results

Understanding USDA Loans in VA

A USDA home loan, referred to as a USDA rural development loan or USDA mortgage, is backed by the government through the Department of Agriculture and is available only in rural neighborhoods. Unlike FHA loans that require a 3.5% minimum down payment, USDA loans have no down payment requirement.

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Wise Lenders
(276) 395-2230 Lender's profile and map Miners Exchange Bank 483 Front Street, Coeburn, VA, 24230 Lends in Virginia Miners Exchange Bank has always endeavored to bring the finest in banking services to our customers. Our technology department boasts the latest and greatest the banking industry has to offer. Services offered by our competition are very similar to ours, but it is the way in which those services are delivered that makes all the difference.
(276) 546-2211 Lender's profile and map Lee Bank and Trust Company 41371 West Morgan Avenue, Pennington Gap, VA, 24277 Lends in Virginia Lee Bank & Trust Company was formed in 1932 when four small Lee County banks, in business as far back as the mid-1800s, merged during the Great Depression. More than eighty five years later, the bank continues to be a strong, stable, and secure institution within its communities with approximately $154 million in assets
(276) 628-9558 Lender's profile and map 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
(276) 935-8111 Lender's profile and map Legacy Bank VA 20957 Riverside Drive, Grundy, VA, 24614 Lends in Virginia Legacy Bank (Formerly Grundy National Bank) was established in 1964 to serve the financial needs of the community while making a profit. Our strong capital base and good earnings have allowed us to make the technological enhancements required by the changes that are taking place in the banking industry.
(276) 935-8161 Lender's profile and map 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