West Virginia 2025 FHA Loan Limits

Last Updated: Sun, January 5, 2025

Loan Limits in West Virginia

West Virginia has 55 counties with FHA Limits ranging from a low of $524,225 for a 1-bedroom unit in Barbour County to a high of $2,326,875 for a 4-bedroom unit in Jefferson County.

For more details about the loan limits (including FHA Limits, HECM Limits, and Fannie Mae & Freddie Mac loan limits) in any of West Virginia's counties, choose the county from the interactive map or the list below.

Lowest Loan Limit ($1,008,300) †

Highest Loan Limit ($2,326,875)

† Lowest limit for homes with four living-units. There are lower limits for homes with fewer living-units.

Loan Limits by County in West Virginia (55 counties)

County	Single Unit Limit (lowest)	Four-Plex Limit (highest)
Barbour County	$524,225	$1,008,300	view details »
Berkeley County	$524,225	$1,008,300	view details »
Boone County	$524,225	$1,008,300	view details »
Braxton County	$524,225	$1,008,300	view details »
Brooke County	$524,225	$1,008,300	view details »
Cabell County	$524,225	$1,008,300	view details »
Calhoun County	$524,225	$1,008,300	view details »
Clay County	$524,225	$1,008,300	view details »
Doddridge County	$524,225	$1,008,300	view details »
Fayette County	$524,225	$1,008,300	view details »
Gilmer County	$524,225	$1,008,300	view details »
Grant County	$524,225	$1,008,300	view details »
Greenbrier County	$524,225	$1,008,300	view details »
Hampshire County	$524,225	$1,008,300	view details »
Hancock County	$524,225	$1,008,300	view details »
Hardy County	$524,225	$1,008,300	view details »
Harrison County	$524,225	$1,008,300	view details »
Jackson County	$524,225	$1,008,300	view details »
Jefferson County	$1,209,750	$2,326,875	view details »
Kanawha County	$524,225	$1,008,300	view details »
Lewis County	$524,225	$1,008,300	view details »
Lincoln County	$524,225	$1,008,300	view details »
Logan County	$524,225	$1,008,300	view details »
Mcdowell County	$524,225	$1,008,300	view details »
Marion County	$524,225	$1,008,300	view details »
Marshall County	$524,225	$1,008,300	view details »
Mason County	$524,225	$1,008,300	view details »
Mercer County	$524,225	$1,008,300	view details »
Mineral County	$524,225	$1,008,300	view details »
Mingo County	$524,225	$1,008,300	view details »
Monongalia County	$524,225	$1,008,300	view details »
Monroe County	$524,225	$1,008,300	view details »
Morgan County	$524,225	$1,008,300	view details »
Nicholas County	$524,225	$1,008,300	view details »
Ohio County	$524,225	$1,008,300	view details »
Pendleton County	$524,225	$1,008,300	view details »
Pleasants County	$524,225	$1,008,300	view details »
Pocahontas County	$524,225	$1,008,300	view details »
Preston County	$524,225	$1,008,300	view details »
Putnam County	$524,225	$1,008,300	view details »
Raleigh County	$524,225	$1,008,300	view details »
Randolph County	$524,225	$1,008,300	view details »
Ritchie County	$524,225	$1,008,300	view details »
Roane County	$524,225	$1,008,300	view details »
Summers County	$524,225	$1,008,300	view details »
Taylor County	$524,225	$1,008,300	view details »
Tucker County	$524,225	$1,008,300	view details »
Tyler County	$524,225	$1,008,300	view details »
Upshur County	$524,225	$1,008,300	view details »
Wayne County	$524,225	$1,008,300	view details »
Webster County	$524,225	$1,008,300	view details »
Wetzel County	$524,225	$1,008,300	view details »
Wirt County	$524,225	$1,008,300	view details »
Wood County	$524,225	$1,008,300	view details »
Wyoming County	$524,225	$1,008,300	view details »

How to qualify for an FHA Loan in West Virginia?

To qualify for an FHA loan in West Virginia, your home loan must be below the local FHA loan limits in your area. For 2025, the maximum loan limit in West Virginia is $524,225 for a single-family home and $2,326,875 for a four-plex. Limits varies by county. The minimum loan limit is $5,000.

Loan limits vary by county and home size. In addition to loan limits, to qualify for an FHA loan you must live in the home as your primary residence. If you're purchasing a multi-family home, the monthly Fair Market Rent (FMR) for the property must exceed 1% of the purchase price. FHA loans cannot be used for commercial real estate investment purposes or "flipping" homes in West Virginia. Additional restricts apply. Click on the West Virginia map above or the table below to see loan limits in your area.

West Virginia 2025 FHA Loan Limits

Loan Limits in West Virginia

Loan Limits by County in West Virginia (55 counties)

How to qualify for an FHA Loan in West Virginia?

RELATED LINKS