Shopping for a new home is one of the most important financial investments you may ever make. So don’t overlook the advantages of the USDA Rural Development Loan Program.

Backed by the United States Deparment of Agriculture (USDA), these fixed interest rate loans are helping many West Virginia residents afford the home of their dreams.  The advantages of the Rural Development Loan Program include:

  • Fixed Interest Rates
  • No Maximum Loan Amount
  • Flexible Credit Guidelines for West Virginia Residents
  • No PMI and No Money Down

West Virginia Areas that Qualify for Rural Development Loans

The Mountain State is full of some of the most majestic landscapes and charming communities found anywhere in the U.S. From the Blue Ridge Mountains to the Shenandoah River, you’ll find many homes that qualify for a Rural Development loans.

To be eligible for a Rural Development Loan in West Virginia, the property has to:

  • Be located outside of the city limits
  • Have a population of less that 20,000 people
Cities may not qualify, but areas just outside of those cities may be eligible. This means that you should never disregard a property based on the fact that it lies in close proximity to Wheeling or Charleston. For more USDA Loan Eligibility information, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

West Virginia USDA Loan Income Limits by County

When determining eligibility, there are a couple of restrictions placed on income and credit history. In addition to illustrating a willingness and ability to repay your home loan, your annual salary cannot exceed the income limits for set areas. These include:

STATE:WEST VIRGINIA PROGRAM 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Charleston WV HUD Metro FMR Area VERY LOW INCOME 20200 23050 25950 28800 31150 33450 35750 38050
LOW INCOME 32250 36900 41500 46100 49800 53500 57150 60850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Martinsburg WV HUD Metro FMR Area VERY LOW INCOME 26700 30500 34300 38100 41150 44200 47250 50300
LOW INCOME 42650 48750 54850 60950 65850 70700 75600 80450
MOD.INC-GUAR.LOAN 96150 96150 96150 96150 126900 126900 126900 126900
Huntington-Ashland WV-KY-OH MSA VERY LOW INCOME 17850 20400 22950 25500 27550 29600 31650 33700
LOW INCOME 28550 32650 36700 40800 44050 47350 50600 53850
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Morgantown WV MSA VERY LOW INCOME 21350 24400 27450 30500 32950 35400 37850 40300
LOW INCOME 34150 39050 43900 48800 52700 56600 60500 64400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Parkersburg-Marietta-Vienna WV-OH MSA VERY LOW INCOME 19550 22350 25150 27900 30150 32400 34600 36850
LOW INCOME 31250 35700 40200 44650 48200 51800 55350 58950
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Steubenville-Weirton OH-WV MSA VERY LOW INCOME 19050 21750 24450 27150 29350 31500 33700 35850
LOW INCOME 30400 34750 39100 43450 46950 50400 53900 57350
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wheeling WV-OH MSA VERY LOW INCOME 19000 21700 24400 27100 29300 31450 33650 35800
LOW INCOME 30350 34700 39000 43350 46800 50300 53750 57200
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Winchester VA-WV MSA VERY LOW INCOME 23700 27050 30450 33800 36550 39250 41950 44650
LOW INCOME 37850 43300 48700 54100 58450 62750 67100 71400
MOD.INC-GUAR.LOAN 77750 77750 77750 77750 102650 102650 102650 102650
Barbour County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Braxton County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Calhoun County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Doddridge County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Fayette County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Gilmer County WV VERY LOW INCOME 16900 19300 21700 24100 26050 28000 29900 31850
LOW INCOME 27000 30850 34700 38550 41650 44700 47800 50900
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Grant County WV VERY LOW INCOME 18050 20600 23200 25750 27850 29900 31950 34000
LOW INCOME 28850 32950 37100 41200 44500 47800 51100 54400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Greenbrier County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Hardy County WV VERY LOW INCOME 17400 19850 22350 24800 26800 28800 30800 32750
LOW INCOME 27800 31750 35750 39700 42900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Harrison County WV VERY LOW INCOME 19400 22200 24950 27700 29950 32150 34350 36600
LOW INCOME 31000 35450 39850 44300 47850 51400 54950 58500
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Jackson County WV VERY LOW INCOME 19150 21900 24650 27350 29550 31750 33950 36150
LOW INCOME 30650 35000 39400 43750 47250 50750 54250 57750
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Lewis County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Logan County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Marion County WV VERY LOW INCOME 18800 21450 24150 26800 28950 31100 33250 35400
LOW INCOME 30050 34300 38600 42900 46350 49750 53200 56650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mason County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
McDowell County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mercer County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Mingo County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Monroe County WV VERY LOW INCOME 17300 19750 22200 24650 26650 28600 30600 32550
LOW INCOME 27600 31550 35500 39450 42600 45750 48900 52050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Nicholas County WV VERY LOW INCOME 17050 19500 21950 24350 26300 28250 30200 32150
LOW INCOME 27250 31150 35050 38950 42050 45200 48300 51400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pendleton County WV VERY LOW INCOME 18450 21100 23750 26350 28500 30600 32700 34800
LOW INCOME 29500 33700 37950 42150 45500 48900 52250 55650
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Pocahontas County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Raleigh County WV VERY LOW INCOME 18950 21650 24350 27050 29250 31400 33550 35750
LOW INCOME 30300 34650 38950 43300 46750 50250 53700 57150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Randolph County WV VERY LOW INCOME 17400 19850 22350 24800 26800 28800 30800 32750
LOW INCOME 27800 31750 35750 39700 42900 46050 49250 52400
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Ritchie County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Roane County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Summers County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Taylor County WV VERY LOW INCOME 17500 20000 22500 25000 27000 29000 31000 33000
LOW INCOME 28000 32000 36000 40000 43200 46400 49600 52800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tucker County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Tyler County WV VERY LOW INCOME 16950 19400 21800 24200 26150 28100 30050 31950
LOW INCOME 27100 30950 34850 38700 41800 44900 48000 51100
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Upshur County WV VERY LOW INCOME 16850 19250 21650 24050 26000 27900 29850 31750
LOW INCOME 26950 30800 34650 38500 41600 44650 47750 50800
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Webster County WV VERY LOW INCOME 16600 19000 21350 23700 25600 27500 29400 31300
LOW INCOME 26550 30300 34100 37900 40950 43950 47000 50050
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wetzel County WV VERY LOW INCOME 18950 21650 24350 27050 29250 31400 33550 35750
LOW INCOME 30300 34650 38950 43300 46750 50250 53700 57150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650
Wyoming County WV VERY LOW INCOME 17300 19800 22250 24700 26700 28700 30650 32650
LOW INCOME 27650 31600 35550 39500 42650 45800 49000 52150
MOD.INC-GUAR.LOAN 74750 74750 74750 74750 98650 98650 98650 98650

As a West Virginia resident, you do not have to navigate the sometimes confusing USDA Loan application process alone. The certified agents at Consumer Real Estate Finance Co. are here to help. Contact us today for assistance!