What are FHA Loan Limits in West Virginia?

FHA loans are a low down payment mortgage program and West Virginia FHA loan limits are connected to local home values. Search the charts below to determine the maximum mortgage amount allowed for your county. FHA loan limits in West Virginia are set at the floor amount of $275,665 across most of the state.

West Virginia FHA Loan Limits Search:

County Name
Area
1-Unit
2-Unit
3-Unit
4-Unit
BARBOURNON-METRO$275,665$352,950$426,625$530,150
BERKELEYHAGERSTOWN-MARTINSBURG, MD-WV$275,665$352,950$426,625$530,150
BOONECHARLESTON, WV$275,665$352,950$426,625$530,150
BRAXTONNON-METRO$275,665$352,950$426,625$530,150
BROOKEWEIRTON-STEUBENVILLE, WV-OH$275,665$352,950$426,625$530,150
CABELLHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
CALHOUNNON-METRO$275,665$352,950$426,625$530,150
CLAYCHARLESTON, WV$275,665$352,950$426,625$530,150
DODDRIDGECLARKSBURG, WV$275,665$352,950$426,625$530,150
FAYETTEBECKLEY, WV$275,665$352,950$426,625$530,150
GILMERNON-METRO$275,665$352,950$426,625$530,150
GRANTNON-METRO$275,665$352,950$426,625$530,150
GREENBRIERNON-METRO$275,665$352,950$426,625$530,150
HAMPSHIREWINCHESTER, VA-WV$281,750$360,700$436,000$541,800
HANCOCKWEIRTON-STEUBENVILLE, WV-OH$275,665$352,950$426,625$530,150
HARDYNON-METRO$275,665$352,950$426,625$530,150
HARRISONCLARKSBURG, WV$275,665$352,950$426,625$530,150
JACKSONNON-METRO$275,665$352,950$426,625$530,150
JEFFERSONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-$636,150$814,500$984,525$1,223,475
KANAWHACHARLESTON, WV$275,665$352,950$426,625$530,150
LEWISNON-METRO$275,665$352,950$426,625$530,150
LINCOLNHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
LOGANLOGAN, WV$275,665$352,950$426,625$530,150
MARIONFAIRMONT, WV$275,665$352,950$426,625$530,150
MARSHALLWHEELING, WV-OH$275,665$352,950$426,625$530,150
MASONPOINT PLEASANT, WV-OH$275,665$352,950$426,625$530,150
MCDOWELLNON-METRO$275,665$352,950$426,625$530,150
MERCERBLUEFIELD, WV-VA$275,665$352,950$426,625$530,150
MINERALCUMBERLAND, MD-WV$275,665$352,950$426,625$530,150
MINGONON-METRO$275,665$352,950$426,625$530,150
MONONGALIAMORGANTOWN, WV$275,665$352,950$426,625$530,150
MONROENON-METRO$275,665$352,950$426,625$530,150
MORGANNON-METRO$275,665$352,950$426,625$530,150
NICHOLASNON-METRO$275,665$352,950$426,625$530,150
OHIOWHEELING, WV-OH$275,665$352,950$426,625$530,150
PENDLETONNON-METRO$275,665$352,950$426,625$530,150
PLEASANTSNON-METRO$275,665$352,950$426,625$530,150
POCAHONTASNON-METRO$275,665$352,950$426,625$530,150
PRESTONMORGANTOWN, WV$275,665$352,950$426,625$530,150
PUTNAMHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
RALEIGHBECKLEY, WV$275,665$352,950$426,625$530,150
RANDOLPHELKINS, WV$275,665$352,950$426,625$530,150
RITCHIENON-METRO$275,665$352,950$426,625$530,150
ROANENON-METRO$275,665$352,950$426,625$530,150
SUMMERSNON-METRO$275,665$352,950$426,625$530,150
TAYLORCLARKSBURG, WV$275,665$352,950$426,625$530,150
TUCKERNON-METRO$275,665$352,950$426,625$530,150
TYLERNON-METRO$275,665$352,950$426,625$530,150
UPSHURNON-METRO$275,665$352,950$426,625$530,150
WAYNEHUNTINGTON-ASHLAND, WV-KY-OH$275,665$352,950$426,625$530,150
WEBSTERNON-METRO$275,665$352,950$426,625$530,150
WETZELNON-METRO$275,665$352,950$426,625$530,150
WIRTPARKERSBURG-VIENNA, WV$275,665$352,950$426,625$530,150
WOODPARKERSBURG-VIENNA, WV$275,665$352,950$426,625$530,150
WYOMINGNON-METRO$275,665$352,950$426,625$530,150

West Virginia FHA loan limits can change at any time. Check back often to ensure information is accurate.

How are West Virginia FHA Limits Set?

West Virginia FHA Loan LimitsMortgage limits for West Virginia FHA loans are based on median housing prices for the particular Metropolitan Statistical Area (MSA) and county. More specifically, “Median Sale Price” for area homes in each county or MSA is considered the determining factor. National FHA mortgage limits for low costs areas are set at 65 percent of the national conventional conforming loan limit. FHA loan limits are updated yearly.

West Virginia FHA Loan-to-Value Limits (LTV)

  • Purchase Loans –  The mortgage loan-to-value limit in West Virginia is 96.5% of the lower of the purchase price or the appraised value of the home.
  • Refinance Loans – The refinance loan-to-value limit in West Virginia is 97.75% of the lower of the appraised property value, or the mortgage amount plus closing costs. If you’re refinancing and taking cash out from equity, the loan limit will be limited to 85% of the appraised home value.

West Virginia FHA loan limits are set above the nationwide floor amount include include locations near Washington D.C. and Hagerstown, MD. You may also want to view these additional FHA loan resources before deciding on a mortgage loan:

More FHA Loan Resources

 

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