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West Virginia USDA Home Loan

The USDA Home Loan Program offers 100% home financing for those who meet certain income and credit requirements and are financing properties in USDA designated areas. Use the map and tables below to determine your eligibility. Use the contact form to the right to request additional information.

West Virginia USDA Home Loan Location Eligibility

The West Virginia USDA Home Loan Program restricts the location of eligible properties. The dark orange areas of the map indicate ineligible locations. The table indicates counties that contain ineligible properties. - 

 west-virginia-usda-home-loans

Brooke Hancock Mineral Ohio Wayne Wood
Cabell Kanawha Monongalia
-*If you see your county listed, you may still be eligible. To request additional information, use the contact form on the side of the page. - -

Step 1 - Calculate your qualifying income based on the USDA income guidelines.

Adjusted Gross Income Calculator

STEP 1 - Determine your Income
What is the combined gross annual income of all applicants?
STEP 2 - Determine your Deductions
How many children under the age of 18 live in the home?
How many disabled or handicapped individuals who are not the applicant or co-applicant live in the home?
How many full time students 18 years of age or older live in the home?
How many people 62 years of age or older live in the home?
What are the documentable medical expenses for family members 62 years of age or older living in the home?
What are the documentable childcare expenses for children 12 years of age or older living in the home?
  
Your Household's Adjusted Gross Income

 

Step 2 - Refer to the table below to see if your income falls within the UDSA guidelines.

West Virginia USDA Home Loan Income Eligibility

The West Virginia USDA Home Loan Program has income eligibility restrictions. Below are the maximum income limits for USDA Home Loans. Find the area in which you would like to purchase a home. Maximum allowable incomes depend on whether you have a 1-4 or 5-8 person household. The USDA allows certain deductions to help you qualify. View The USDA Home Loan Applicant Eligibility Page to determine your adjusted income. Or, use the contact form to the right to request additional information. 

 

Location 1 to 4 5 to 8   Location 1 to 4 5 to 8   Location 1 to 4 5 to 8
Charleston, WV $73,600 $97,150 Fayette County, WV $73,600 $97,150 Nicholas County, WV $73,600 $97,150
Boone County, WV $73,600 $97,150 Gilmer County, WV $73,600 $97,150 Pendleton County, WV $73,600 $97,150
Cumberland, MD-WV $89,000 $117,500 Grant County, WV $73,600 $97,150 Pocahontas County, WV $73,600 $97,150
Martinsburg, WV $89,000 $117,500 Greenbrier County, WV $73,600 $97,150 Raleigh County, WV $73,600 $97,150
Huntington-Ashland, WV-KY-OH $73,600 $97,150 Hardy County, WV $73,600 $97,150 Randolph County, WV $73,600 $97,150
Morgantown, WV $73,600 $97,150 Harrison County, WV $73,600 $97,150 Ritchie County, WV $73,600 $97,150
Parkersburg-Marietta-Vienna, WV-OH $73,600 $97,150 Jackson County, WV $73,600 $97,150 Roane County, WV $73,600 $97,150
Jefferson County, WV $84,550 $111,600 Lewis County, WV $73,600 $97,150 Summers County, WV $73,600 $97,150
Weirton-Steubenville, WV-OH $73,600 $97,150 Logan County, WV $73,600 $97,150 Taylor County, WV $73,600 $97,150
Wheeling, WV-OH $73,600 $97,150 McDowell County, WV $73,600 $97,150 Tucker County, WV $73,600 $97,150
Winchester, VA-WV $73,800 $97,400 Marion County, WV $73,600 $97,150 Tyler County, WV $73,600 $97,150
Barbour County, WV $73,600 $97,150 Mason County, WV $73,600 $97,150 Upshur County, WV $73,600 $97,150
Braxton County, WV $73,600 $97,150 Mercer County, WV $73,600 $97,150 Webster County, WV $73,600 $97,150
Calhoun County, WV $73,600 $97,150 Mingo County, WV $73,600 $97,150 Wetzel County, WV $73,600 $97,150
Doddridge County, WV $73,600 $97,150 Monroe County, WV $73,600 $97,150 Wyoming County, WV $73,600 $97,150
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