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$331,760$424,800$513,450$638,100
BERKELEYHAGERSTOWN-MARTINSBURG, MD-WV$331,760$424,800$513,450$638,100
BOONECHARLESTON, WV$331,760$424,800$513,450$638,100
BRAXTONNON-METRO$331,760$424,800$513,450$638,100
BROOKEWEIRTON-STEUBENVILLE, WV-OH$331,760$424,800$513,450$638,100
CABELLHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
CALHOUNNON-METRO$331,760$424,800$513,450$638,100
CLAYCHARLESTON, WV$331,760$424,800$513,450$638,100
DODDRIDGECLARKSBURG, WV$331,760$424,800$513,450$638,100
FAYETTEBECKLEY, WV$331,760$424,800$513,450$638,100
GILMERNON-METRO$331,760$424,800$513,450$638,100
GRANTNON-METRO$331,760$424,800$513,450$638,100
GREENBRIERNON-METRO$331,760$424,800$513,450$638,100
HAMPSHIREWINCHESTER, VA-WV$331,760$424,800$513,450$638,100
HANCOCKWEIRTON-STEUBENVILLE, WV-OH$331,760$424,800$513,450$638,100
HARDYNON-METRO$331,760$424,800$513,450$638,100
HARRISONCLARKSBURG, WV$331,760$424,800$513,450$638,100
JACKSONCHARLESTON, WV$331,760$424,800$513,450$638,100
JEFFERSONWASHINGTON-ARLINGTON-ALEXANDRIA, DC-VA-MD-WV$765,600$980,325$1,184,925$1,472,550
KANAWHACHARLESTON, WV$331,760$424,800$513,450$638,100
LEWISNON-METRO$331,760$424,800$513,450$638,100
LINCOLNCHARLESTON, WV$331,760$424,800$513,450$638,100
LOGANMOUNT GAY-SHAMROCK, WV$331,760$424,800$513,450$638,100
MARIONFAIRMONT, WV$331,760$424,800$513,450$638,100
MARSHALLWHEELING, WV-OH$331,760$424,800$513,450$638,100
MASONPOINT PLEASANT, WV-OH$331,760$424,800$513,450$638,100
MCDOWELLNON-METRO$331,760$424,800$513,450$638,100
MERCERBLUEFIELD, WV-VA$331,760$424,800$513,450$638,100
MINERALCUMBERLAND, MD-WV$331,760$424,800$513,450$638,100
MINGONON-METRO$331,760$424,800$513,450$638,100
MONONGALIAMORGANTOWN, WV$331,760$424,800$513,450$638,100
MONROENON-METRO$331,760$424,800$513,450$638,100
MORGANHAGERSTOWN-MARTINSBURG, MD-WV$331,760$424,800$513,450$638,100
NICHOLASNON-METRO$331,760$424,800$513,450$638,100
OHIOWHEELING, WV-OH$331,760$424,800$513,450$638,100
PENDLETONNON-METRO$331,760$424,800$513,450$638,100
PLEASANTSNON-METRO$331,760$424,800$513,450$638,100
POCAHONTASNON-METRO$331,760$424,800$513,450$638,100
PRESTONMORGANTOWN, WV$331,760$424,800$513,450$638,100
PUTNAMHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
RALEIGHBECKLEY, WV$331,760$424,800$513,450$638,100
RANDOLPHELKINS, WV$331,760$424,800$513,450$638,100
RITCHIENON-METRO$331,760$424,800$513,450$638,100
ROANENON-METRO$331,760$424,800$513,450$638,100
SUMMERSNON-METRO$331,760$424,800$513,450$638,100
TAYLORCLARKSBURG, WV$331,760$424,800$513,450$638,100
TUCKERNON-METRO$331,760$424,800$513,450$638,100
TYLERNON-METRO$331,760$424,800$513,450$638,100
UPSHURNON-METRO$331,760$424,800$513,450$638,100
WAYNEHUNTINGTON-ASHLAND, WV-KY-OH$331,760$424,800$513,450$638,100
WEBSTERNON-METRO$331,760$424,800$513,450$638,100
WETZELNON-METRO$331,760$424,800$513,450$638,100
WIRTPARKERSBURG-VIENNA, WV$331,760$424,800$513,450$638,100
WOODPARKERSBURG-VIENNA, WV$331,760$424,800$513,450$638,100
WYOMINGNON-METRO$331,760$424,800$513,450$638,100

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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