West Virginia USDA Loans
Buying a home in West Virginia? Take control with a home loan from the USDA.
Standard Income Limit (1–4 Person Household)
Highest Listed 5+ Person Limit
Financing (No Down Payment)
Eligibility Requirements – West Virginia
USDA loans require no down payment or qualifying assets, and no maximum loan amounts means that USDA loans are flexible enough to fit most any situation. Plus, fixed interest rates mean that payments won't increase over time. For a family of 1-4 in West Virginia, the average household income limit is about $119,850 a year, and for families of 5 or more it can be as high as $193,750.
Fill out the form above to get in touch with one of our USDA loan specialists and find out what a USDA loan can do for you.
West Virginia USDA Income Limits (Moderate Income – Guaranteed Loan)
Most areas of West Virginia follow the standard USDA income limit. Select counties in the Eastern Panhandle have higher limits.
| Area | 1–4 Person | 5+ Person |
|---|---|---|
| Standard West Virginia Limit (Most Counties & MSAs) | $122,800 | $162,100 |
| Fayette County, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Raleigh County, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Boone County, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Charleston, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Martinsburg, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Morgan County, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Huntington-Ashland, WV-KY-OH HUD Metro FMR Area | $122,800 | $162,100 |
| Putnam County, WV HUD Metro FMR Area | $122,800 | $162,100 |
| Jefferson County, WV HUD Metro FMR Area | $147,650 | $194,900 |
USDA Home Loan Features
No money down
For starters, a USDA loan is one of the only loan programs offered to the general public that allows you to finance 100% of your home's value. That means no down payment of any kind!
Great interest rates
USDA loans are made even more affordable through very competitive fixed interest rates, ensuring your payments will not increase every month.
Need a 620 credit score
USDA Loans .Net requires a middle credit score of at least 620. If you are close, apply and we can help.
Affordable 30 year terms
USDA home loans also offers affordable 30 year terms. If you are a first time home buyer, or not, a USDA loan is the perfect fit.
Roll in your closing costs
A USDA loan allows you to finance in your closing costs up to the appraised value. Making the USDA loan the only mortgage on the market with this ability.
Check Your West Virginia USDA Eligibility
USDA loans are available in eligible rural and suburban areas throughout West Virginia. We can quickly:
- Verify your household income eligibility
- Confirm the property is in a USDA-eligible location
- Provide a fast payment estimate and next steps
Income limits shown are for USDA Guaranteed loans and may change annually. Final eligibility depends on verified household income, household size, and USDA program guidelines.
Ready to See If You Qualify for a West Virginia USDA Loan?
Start your West Virginia USDA home loan review today. A USDA loan specialist will contact you with your options.
