Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in West Virginia. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here:
USDA Loan Limits
USDA Loan Income Limits
USDA Loan Requirements
USDA Loan Programs
USDA doesn’t set specific maximum loan limits for guaranteed mortgages. Instead, local limits are determined by a combination of the area USDA maximum income limit and the borrowers debt-to-income ratio. This approach means that guaranteed maximum USDA loan limits are fluid and based upon numerous factors, unlike low-income USDA Direct Loans, which have set maximum limits. The figures listed below are based on approximate calculations. Actual guaranteed maximum loan limits may vary.
West Virginia Guaranteed USDA Loan Limits
Area | 1-4 Person Households | 5-8 Person Households |
|---|---|---|
| Barbour County, WV | $306,000 | $391,000 |
| Boone County, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Braxton County, WV | $306,000 | $391,000 |
| Calhoun County, WV | $306,000 | $391,000 |
| Charleston, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Cumberland, MD-WV MSA | $340,000 | $431,000 |
| Doddridge County, WV | $306,000 | $391,000 |
| Fayette County, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Gilmer County, WV | $306,000 | $391,000 |
| Grant County, WV | $306,000 | $391,000 |
| Greenbrier County, WV | $306,000 | $391,000 |
| Hardy County, WV | $306,000 | $391,000 |
| Harrison County, WV | $306,000 | $391,000 |
| Huntington-Ashland, WV-KY-OH HUD Metro FMR Area | $306,000 | $391,000 |
| Jackson County, WV | $306,000 | $391,000 |
| Jefferson County, WV HUD Metro FMR Area | $374,000 | $466,000 |
| Lewis County, WV | $306,000 | $391,000 |
| Lincoln County, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Logan County, WV | $306,000 | $391,000 |
| Marion County, WV | $306,000 | $391,000 |
| Martinsburg, WV HUD Metro FMR Area | $340,000 | $431,000 |
| Mason County, WV | $306,000 | $391,000 |
| McDowell County, WV | $306,000 | $391,000 |
| Mercer County, WV | $306,000 | $391,000 |
| Mingo County, WV | $306,000 | $391,000 |
| Monroe County, WV | $306,000 | $391,000 |
| Morgan County, WV | $340,000 | $431,000 |
| Morgantown, WV MSA | $306,000 | $391,000 |
| Nicholas County, WV | $306,000 | $391,000 |
| Parkersburg-Vienna, WV MSA | $306,000 | $391,000 |
| Pendleton County, WV | $306,000 | $391,000 |
| Pleasants County, WV | $306,000 | $391,000 |
| Pocahontas County, WV | $306,000 | $391,000 |
| Putnam County, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Raleigh County, WV HUD Metro FMR Area | $306,000 | $391,000 |
| Randolph County, WV | $306,000 | $391,000 |
| Ritchie County, WV | $306,000 | $391,000 |
| Roane County, WV | $306,000 | $391,000 |
| Summers County, WV | $306,000 | $391,000 |
| Taylor County, WV | $306,000 | $391,000 |
| Tucker County, WV | $306,000 | $391,000 |
| Tyler County, WV | $306,000 | $391,000 |
| Upshur County, WV | $306,000 | $391,000 |
| Webster County, WV | $306,000 | $391,000 |
| Weirton-Steubenville, WV-OH MSA | $306,000 | $391,000 |
| Wetzel County, WV | $306,000 | $391,000 |
| Wheeling, WV-OH MSA | $306,000 | $391,000 |
| Winchester, VA-WV MSA | $306,000 | $391,000 |
| Wyoming County, WV | $306,000 | $391,000 |
