USDA Vs. FHA Pro and Con comparison in Shady-Spring, Raleigh County, WV
In 2026, the USDA loan limitation for Shady-Spring, situated within Raleigh county, WV is $285,000, whereas the FHA limit for a single-family home is $356,362.
Employ the Lendersa® USDA loan calculator to evaluate and contrast the foremost rates available for USDA versus FHA today. Determine the income, credit, reserves, and requisite documents needed for qualification. With our comprehensive mortgage calculator, you can compare USDA, FHA, Conforming, and VA programs side by side, aiding you in selecting the best suited to your financial scenario, especially in .
2026 Loan Limits and Downpayment Requirements in Shady-Spring, County of Raleigh, WV
Type of Loan
Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Options for USDA and FHA Loans in Shady-Spring, WV
Lendersa® aims to connect you with the most favorable USDA or FHA loan options quickly and seamlessly. Select from three initial pathways to find matching lenders and USDA loan offers.
A USDA home loan is distinctively supported by the Department of Agriculture, widely recognized as a USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans that necessitate a 3.5% minimum down payment, a USDA mortgage is offered without any required down payment.
Beckley Loan Company is a locally owned and operated company. They specialize in Personal Loans, Automobile Loans, Real Estate Loans, Debt Consolidation, Signature Loans, and Bill Consolidation. Beckley Loan Company serves Raleigh County and Surrounding Areas. Have been serving the area for over 80 years!
Fayette Federal Credit Union is a member owned organization whose mission is to meet the needs of all of our members by providing quality, personalized service while maintaining financial stability. We seek to provide ultimate member satisfaction in an ethical and financially sound manner.
First Peoples Bank ATM is located in Mullens, West Virginia, and was founded in 1926. At this location, First Peoples Bank ATM employs approximately 20 people. This business is working in the following industry: Financial services. Annual sales for First Peoples Bank ATM are around USD 3,255,000.00.
258 Blue Prince Road, Suite 102, Bluefield, WV, 24701
Lends in West Virginia
The Mercer County WV Teachers Federal Credit Union (MCWVTFCU) has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, MCWVTFCU will continue a sound yet progressive.
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.
CAMC Federal Credit Union has been open since 1977. It's the 15th largest credit union in West Virginia with assets totaling $81.04 Million and providing banking services to more than 5, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups
Cha-Tel Federal Credit Union was organized and received its Federal charter on November 18, 1963. Since that time we have grown to over 10 million in assets and over 2, 100 in membership.
When you become a credit union member, you become one of its owners. You help to elect the officers and you are eligible to serve the membership as a volunte
