For 2026, in the county of Martinsburg within Berkeley, WV, the FHA loan limits are set at $472,030 for a single-family home, $604,400 for homes with two units, $730,525 for three-unit buildings, and $907,900 for properties with four units.
As for conventional loans, the maximum permissible amount for a single-family residence is $726,200, rising to $929,850 for two-unit housing, $1,123,900 for three-unit dwellings, and $1,396,800 for four-unit structures.
Make use of our FHA calculator to find the prime FHA rates available today, and ascertain the necessary down payment, income, credit score, reserves, and documents required for qualification.
The Lendersa® calculator is crafted to help you compare FHA rates and terms alongside those from other loan programs. Explore, review, and contrast options like Conventional, Jumbo, VA, USDA, Non-QM, and hard money loans, in relation to FHA offers.
By sourcing loan program data from thousands of lenders, Lendersa® swiftly aligns this with your unique financial situation and requirements.
The Loan Limits Comparison Table for 2026 in Martinsburg county of Berkeley, WV, allows you to compare maximum loan amounts across various categories including FHA, Conventional Conforming, Jumbo, USDA, VA, Non-QM, Super Jumbo, Reverse Mortgage (HECM), and hard money. To further explore qualification criteria like income, reserves, and credit requirements, utilize the Lendersa® Super Loan Integrated Qualifier (SLIQ™).
| SFR | 2 Units | 3 Units | 4 Units | |
|---|---|---|---|---|
| FHA | $472,030 | $604,400 | $730,525 | $907,900 |
| Conventional Conforming | $548,250 | $702,000 | $848,500 | $1,054,500 |
| Convetional High Balance | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| USDA | $336,500 | $336,500 | $336,500 | $336,500 |
| VA | $726,200 | $929,850 | $1,123,900 | $1,396,800 |
| None-Qm | $1,500,000 | $1,500,000 | $1,500,000 | $1,500,000 |
| None- QM- Super Jumo | $5,000,000 | $5,000,000 | $5,000,000 | $5,000,000 |
| Reverse Mortgage (HECM) | $822,375 | $822,375 | $822,375 | $822,375 |
| Proprietary Reverse Mortgage (Non-FHA) | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Hard Money | $90,000,000 | $90,000,000 | $90,000,000 | $90,000,000 |
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