USDA and FHA Pro and Con in Summersville, Nicholas County, WV

For 2025, 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 .

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2025 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.

Lendersa USDA loan request and matching results

What is a USDA Loan in WV?

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.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • Epic Development & Capital Corporation
  • 15272 Bolsa Chica St, Huntington Beach, CA, 92649
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Quest Home Loans
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  • Mille Mortgage Inc.
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  • Count on Mille Mortgage Inc. to help you choose from the home loans available to you. Since 2001, we have served the people of Los Angeles County as a licensed mortgage company. We provide fantastic customer service backed by more than 20 years of knowledge and experience. Owner and founder Russell Gomez was licensed in 1996
  • Global Interest Funding
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  • Global Interest Funding is an independent mortgage firm, our principal has over 22 years of experience in the mortgage industry. Helping our clients with variety of loan programs that best for their needs. We work with the leading lenders in the industry to provide FHA Home Loan, VA Home Loan, Conventional Home Loan.
  • The Mortgage Professionals
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  • Berkshire Hathaway HomeServices California Properties
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  • Our company has been serving Southern California communities since 1967. Founded on the values of equal and fair housing for all, our real estate experts are trained to guide individuals, families, and investors step-by-step through the real state buying and selling process. Our highly trained agents speak many languages.
  • Tri-Pillar Mortgage
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  • Tri-Pillar Realty was founded out of a goal to make buying a home more achievable for a variety of customers. That is why Tri-Pillar Realty is committed to bringing you the best possible home buying experience. We promise to treat you with respect, offer you fair and efficient service and a commitment to honesty.
  • Surfside Mortgage Inc.
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  • Dean Capital Home Loans
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  • CB Home Loans
  • 16216 Clark Ave., Bellflower, CA, 90706
  • CB Home Loans, we understand the frustration of waiting for bank-approved funds or not having the necessary credit to even get approval. That is why our team is here to help and provide you with the funding you need We offer the following types of loans Commercial Property Loans, Home Loans