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2025 FHA Loan Limits in West Virginia

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With less-stringent credit requirements and down payments as low as 3.5%, government-insured loans backed by the Federal Housing Administration (FHA) can help those people who might not qualify for conventional loans become homeowners. Each year, the FHA sets limits to the amount homebuyers can borrow using an FHA loan based on the median home sale price in the local county.

In West Virginia, the 2025 FHA loan limit for single-family homes is $524,225 everywhere in the state — with the exception of Jefferson County, where it jumps to $1,209,750. (Jefferson County includes the cities of Charles Town, Harpers Ferry and Shepherdstown.)

Read on for an in-depth look at the 2025 West Virginia FHA loan limits, including information on how they’re calculated and how to qualify for such a loan.

West Virginia FHA loan limits by county

West Virginia single-family FHA loan limits

County name	One unit	Two units	Three units	Four units	Median sale price
BARBOUR	$524,225	$671,200	$811,275	$1,008,300	$114,000
BERKELEY	$524,225	$671,200	$811,275	$1,008,300	$290,000
BOONE	$524,225	$671,200	$811,275	$1,008,300	$161,000
BRAXTON	$524,225	$671,200	$811,275	$1,008,300	$79,000
BROOKE	$524,225	$671,200	$811,275	$1,008,300	$156,000
CABELL	$524,225	$671,200	$811,275	$1,008,300	$215,000
CALHOUN	$524,225	$671,200	$811,275	$1,008,300	$144,000
CLAY	$524,225	$671,200	$811,275	$1,008,300	$161,000
DODDRIDGE	$524,225	$671,200	$811,275	$1,008,300	$191,000
FAYETTE	$524,225	$671,200	$811,275	$1,008,300	$125,000
GILMER	$524,225	$671,200	$811,275	$1,008,300	$60,000
GRANT	$524,225	$671,200	$811,275	$1,008,300	$177,000
GREENBRIER	$524,225	$671,200	$811,275	$1,008,300	$148,000
HAMPSHIRE	$524,225	$671,200	$811,275	$1,008,300	$410,000
HANCOCK	$524,225	$671,200	$811,275	$1,008,300	$156,000
HARDY	$524,225	$671,200	$811,275	$1,008,300	$150,000
HARRISON	$524,225	$671,200	$811,275	$1,008,300	$191,000
JACKSON	$524,225	$671,200	$811,275	$1,008,300	$161,000
JEFFERSON	$1,209,750	$1,548,975	$1,872,225	$2,326,875	$1,130,000
KANAWHA	$524,225	$671,200	$811,275	$1,008,300	$161,000
LEWIS	$524,225	$671,200	$811,275	$1,008,300	$110,000
LINCOLN	$524,225	$671,200	$811,275	$1,008,300	$161,000
LOGAN	$524,225	$671,200	$811,275	$1,008,300	$60,000
MARION	$524,225	$671,200	$811,275	$1,008,300	$120,000
MARSHALL	$524,225	$671,200	$811,275	$1,008,300	$241,000
MASON	$524,225	$671,200	$811,275	$1,008,300	$153,000
MCDOWELL	$524,225	$671,200	$811,275	$1,008,300	$67,000
MERCER	$524,225	$671,200	$811,275	$1,008,300	$105,000
MINERAL	$524,225	$671,200	$811,275	$1,008,300	$163,000
MINGO	$524,225	$671,200	$811,275	$1,008,300	$49,000
MONONGALIA	$524,225	$671,200	$811,275	$1,008,300	$250,000
MONROE	$524,225	$671,200	$811,275	$1,008,300	$88,000
MORGAN	$524,225	$671,200	$811,275	$1,008,300	$290,000
NICHOLAS	$524,225	$671,200	$811,275	$1,008,300	$95,000
OHIO	$524,225	$671,200	$811,275	$1,008,300	$241,000
PENDLETON	$524,225	$671,200	$811,275	$1,008,300	$220,000
PLEASANTS	$524,225	$671,200	$811,275	$1,008,300	$130,000
POCAHONTAS	$524,225	$671,200	$811,275	$1,008,300	$94,000
PRESTON	$524,225	$671,200	$811,275	$1,008,300	$250,000
PUTNAM	$524,225	$671,200	$811,275	$1,008,300	$215,000
RALEIGH	$524,225	$671,200	$811,275	$1,008,300	$125,000
RANDOLPH	$524,225	$671,200	$811,275	$1,008,300	$167,000
RITCHIE	$524,225	$671,200	$811,275	$1,008,300	$59,000
ROANE	$524,225	$671,200	$811,275	$1,008,300	$80,000
SUMMERS	$524,225	$671,200	$811,275	$1,008,300	$160,000
TAYLOR	$524,225	$671,200	$811,275	$1,008,300	$191,000
TUCKER	$524,225	$671,200	$811,275	$1,008,300	$153,000
TYLER	$524,225	$671,200	$811,275	$1,008,300	$62,000
UPSHUR	$524,225	$671,200	$811,275	$1,008,300	$167,000
WAYNE	$524,225	$671,200	$811,275	$1,008,300	$215,000
WEBSTER	$524,225	$671,200	$811,275	$1,008,300	$107,000
WETZEL	$524,225	$671,200	$811,275	$1,008,300	$90,000
WIRT	$524,225	$671,200	$811,275	$1,008,300	$136,000
WOOD	$524,225	$671,200	$811,275	$1,008,300	$136,000
WYOMING	$524,225	$671,200	$811,275	$1,008,300	$45,000

How are FHA loan limits determined?

Each year, the FHA updates its loan limits for each county. The National Housing Act (NHA) requires the FHA to use the conforming loan limit — which is set by the Federal Housing Finance Agency (FHFA) — as a basis to establish the “floor” and “ceiling” limits for FHA loans.

The nationwide “floor” FHA loan limit for 2025, which holds in lower-cost areas, is $524,225, which is 65% of the 2025 conforming loan limit of $806,500. In higher-cost areas, the nationwide “ceiling” FHA loan limit is $1,209,750, or 150% of the conforming loan limit. In a few places — Alaska, Hawaii, Guam and the U.S. Virgin Islands — the single-family ceiling limit is raised to $1,814,625 in order to account for the highest cost of construction in these expensive, relatively remote areas.

FHA loans can also be used to purchase multifamily or multi-unit properties, each with its own floor and ceiling limits. The highest possible FHA loan amount in 2025 would be $3,490,300, which could be taken out to fund the purchase of a four-unit structure in one of the exceptional areas outlined above.

How to qualify for an FHA loan in West Virginia

While they may be more accessible than other types for certain borrowers, there are still FHA loan requirements that you must meet in order to qualify. These include a minimum credit score as well as a minimum down payment that scales based on your credit score. Find the full details below.

Minimum 500 credit score: You’ll need a credit score of at least 500 to qualify for an FHA loan — and if your score is this low, you will need to provide a 10% down payment.
Minimum 3.5% down payment: Qualified borrowers with a credit score of 580 or higher need only put down 3.5% of the home’s purchase price up front, while those with a score between 500 and 579 will need a down payment of 10%.
Maximum 43% debt-to-income (DTI) ratio: Your DTI ratio, is a measure of your existing debt as a proportion of your income. To qualify for an FHA loan, you’ll need a DTI of 43% or less. (Generally, a DTI of 35% or less is considered “good.”)
Mortgage insurance: You’ll be required to pay an upfront FHA mortgage insurance premium equaling 1.75% of the total loan, along with an annual mortgage insurance premium of 0.15% to 0.75% of the loan amount that’s spread across monthly mortgage payments.
Occupancy: The home you’re taking out the FHA loan for will need to be your primary residence for at least one year.

As part of the underwriting process, your lender will also assess your cash reserves, and is also likely to require an FHA appraisal, which will cost several hundred dollars.

Buying a multifamily property with an FHA loan

As mentioned above, the FHA loan program also allows borrowers to use FHA loans to buy multifamily properties with two, three or four units — for as little as 3.5% down, if you have a qualifying credit score of 580 or higher.

If you’re buying a property with multiple units, however, you must have cash reserves that are equal to three months worth of PITI (principal, interest, taxes and insurance) payments.

As per the requirements above, the borrower will need to live in one of the units in order to be eligible for the loan — but doing so is a great way to house hack, or offset the costs of the mortgage by renting out other parts of the property. Here are the 2025 multifamily FHA loan limits in West Virginia in every county except Jefferson.