As of 2026, the USDA loan limit in Bluefield, located in Mercer County, WV, is set at $336,500, compared to the FHA limit for a single-family residence of $472,030.
To compare current USDA and FHA interest rates, use the Lendersa® USDA loan calculator. It will evaluate the income, credit, reserves, and necessary documents for qualification. Our advanced mortgage calculator also allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the best program in Alabama tailored to your specific financial needs.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $336,500 | 0% |
| FHA | $472,030 | 3.5% |
| Conventional Conforming | $726,200 | 3% |
Lendersa® aims to swiftly and effortlessly secure you the best USDA or FHA loan available. Begin with one of three options to align with suitable lenders and USDA programs.
The USDA home loan, endorsed by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, is available solely in rural areas. Unlike an FHA loan, which mandates a minimum 3.5% down payment, the USDA loan requires none.
Enter your location to find out if it qualifies for USDA rural housing loan?
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