USDA LOAN BENEFITS IN WEST VIRGINIA
USDA Home Loans offer flexible credit requirements along with NO MONEY DOWN. The interest rates are competitive and you can close your loan in roughly 45 days. The USDA Home loan is a great loan for those individuals with limited and average or below average credit profiles. A credit score of 620 is required to qualify for a USDA Loan, and a credit score of 640 drastically increases your chances. If you are close to either of these credit scores, contact one of our USDA Loan agents today to see how we can help you improve your credit score.
WEST VIRGINIA USDA ELIGIBILITY
With the state not dominated by metropolitan areas, the majority of West Virginia is USDA eligible. Most communities with 35,000 or fewer residence are eligible for USDA Loans. There are a few requirements, such as income limits for each county and the home must be of wood frame construction. Manufactured homes that were previously owned do not qualify for USDA Rural Development Loans. If you are wondering if your area qualifies please contact one of our agents to discuss the exact areas that qualify.
Income Limits for West Virginia
| County Name | Family Size 1-4 | Family Size 5-8 |
|---|---|---|
| Barbour | $78,200 | $103,200 |
| Berkeley | $96,150 | $126,900 |
| Boone | $78,200 | $103,200 |
| Braxton | $78,200 | $103,200 |
| Brooke | $78,200 | $103,200 |
| Cabell | $78,200 | $103,200 |
| Calhoun | $78,200 | $103,200 |
| Clay | $78,200 | $103,200 |
| Doddridge | $78,200 | $103,200 |
| Fayette | $78,200 | $103,200 |
| Gilmer | $78,200 | $103,200 |
| Grant | $78,200 | $103,200 |
| Greenbrier | $78,200 | $103,200 |
| Hampshire | $84,900 | $112,050 |
| Hancock | $78,200 | $103,200 |
| Hardy | $78,200 | $103,200 |
| Harrison | $78,200 | $103,200 |
| Jackson | $78,200 | $103,200 |
| Jefferson | $94,300 | $124,500 |
| Kanawha | $78,200 | $103,200 |
| Lewis | $78,200 | $103,200 |
| Lincoln | $78,200 | $103,200 |
| Logan | $78,200 | $103,200 |
| Marion | $78,200 | $103,200 |
| Marshall | $78,200 | $103,200 |
| Mason | $78,200 | $103,200 |
| McDowell | $78,200 | $103,200 |
| Mercer | $78,200 | $103,200 |
| Mineral | $96,150 | $126,900 |
| Mingo | $78,200 | $103,200 |
| Monongalia | $78,200 | $103,200 |
| Monroe | $78,200 | $103,200 |
| Morgan | $96,150 | $126,900 |
| Nicholas | $78,200 | $103,200 |
| Ohio | $78,200 | $103,200 |
| Pendleton | $78,200 | $103,200 |
| Pleasants | $78,200 | $103,200 |
| Pocahontas | $78,200 | $103,200 |
| Preston | $78,200 | $103,200 |
| Putnam | $78,200 | $103,200 |
| Raleigh | $78,200 | $103,200 |
| Randolph | $78,200 | $103,200 |
| Ritchie | $78,200 | $103,200 |
| Roane | $78,200 | $103,200 |
| Summers | $78,200 | $103,200 |
| Taylor | $78,200 | $103,200 |
| Tucker | $78,200 | $103,200 |
| Tyler | $78,200 | $103,200 |
| Upshur | $78,200 | $103,200 |
| Wayne | $78,200 | $103,200 |
| Webster | $78,200 | $103,200 |
| Wetzel | $78,200 | $103,200 |
| Wirt | $78,200 | $103,200 |
| Wood | $78,200 | $103,200 |
| Wyoming | $78,200 | $103,200 |
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