USDA Vs. FHA your options comparison in Summersville, Nicholas County, WV
For 2026, the USDA loan limit in Summersville, within the county of Nicholas, WV, is set at $336,500. Alternatively, the FHA loan ceiling for a single-family home is $472,030.
Utilize the Lendersa® USDA loan calculator to compare today's leading USDA versus FHA rates and assess the necessary income, credit, reserves, and documentation required for eligibility. Our advanced mortgage calculator enables a side-by-side analysis of USDA, FHA, Conforming, and VA loans, helping you to decide on the program that best aligns with your financial needs, especially within .
2026 Loan Limits and Downpayment Requirements in Summersville, County of Nicholas, WV
Loan Type
Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Summersville, WV
The aim of Lendersa® is to efficiently secure you the best USDA or FHA loan options. Start with one of three paths to connect with matching lenders and USDA loan programs.
A USDA home loan, backed by the government Department of Agriculture, also referred to as a USDA rural development loan or mortgage, is exclusively available in rural areas. Contrary to FHA loans that require at least a 3.5% down payment, the USDA mortgage demands no down payment at all.
Clay County Bank offers customers and businesses a variety of banking products with big bank features and technology, while maintaining a down-home country atmosphere with friendly people and outstanding customer service. We are home of the Golden Delicious Festival and the Elk River Trail State Park.
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.
2200 Washington Street East, Charleston, WV, 25311
Lends in West Virginia
At The State Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your accounts.
To protect your account, The State Credit Union monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact Premium Testing.
West Virginia National Guard Federal Credit Union has been open since 1959. It's the 20th largest credit union in West Virginia with assets totaling $50.63 Million and providing banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to U.S. military members.
First Neighborhood Bank is a strong, community-based bank headquartered in West Virginia. Since our beginnings more than 100 years ago,our goal has always been the same – to provide our customers with solid financial products paired with unbeatable customer service. Our team of skilled banking experts offer a full range of advanced lending products.
Members Choice WV Federal Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship, attend school or do business in Kanawha County, WV.Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship.
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
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!
Pioneer Appalachia Federal Credit Union was established in 1940 by a group of "pioneering" educators. They all shared a dream that one day the teachers of Kanawha County Schools would have an alternative to traditional banking. They would create a place that "members" could join and be founded on the principle of "people helping people.
