FHA Loan Limits in West Virginia (2026)
For 2026, the FHA loan limit in most West Virginia counties is $541,287 for a single-family home. West Virginia has no designated high-cost counties, so the national floor applies statewide.
FHA loan limits by county in West Virginia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Kanawha County | $541,287 | $692,997 | $1,041,072 | Standard |
| Berkeley County | $541,287 | $692,997 | $1,041,072 | Standard |
| Monongalia County | $541,287 | $692,997 | $1,041,072 | Standard |
| Cabell County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wood County | $541,287 | $692,997 | $1,041,072 | Standard |
| Raleigh County | $541,287 | $692,997 | $1,041,072 | Standard |
| Harrison County | $541,287 | $692,997 | $1,041,072 | Standard |
| Putnam County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marion County | $541,287 | $692,997 | $1,041,072 | Standard |
| Jefferson County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mercer County | $541,287 | $692,997 | $1,041,072 | Standard |
| Greenbrier County | $541,287 | $692,997 | $1,041,072 | Standard |
| Wayne County | $541,287 | $692,997 | $1,041,072 | Standard |
| Fayette County | $541,287 | $692,997 | $1,041,072 | Standard |
| Logan County | $541,287 | $692,997 | $1,041,072 | Standard |
| Mineral County | $541,287 | $692,997 | $1,041,072 | Standard |
| Marshall County | $541,287 | $692,997 | $1,041,072 | Standard |
| Preston County | $541,287 | $692,997 | $1,041,072 | Standard |
| Ohio County | $541,287 | $692,997 | $1,041,072 | Standard |
| Boone County | $541,287 | $692,997 | $1,041,072 | Standard |
Buying with an FHA loan in West Virginia
FHA loans are popular with first-time buyers in West Virginia because they allow a 3.5% down payment, accept credit scores as low as 580, and have flexible debt-to-income guidelines. The county limits above cap how much you can borrow with FHA financing; above those amounts you would need a conventional or jumbo loan.
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Frequently Asked Questions
- What is the FHA loan limit in West Virginia for 2026?
- Most West Virginia counties use the national FHA floor of $541,287 for a one-unit home.
- What credit score do I need for an FHA loan in West Virginia?
- FHA allows a 3.5% down payment with a 580 credit score, or 10% down with scores between 500 and 579. Lenders may set higher minimums.