USDA Vs. FHA your options comparison in Cheat-Lake, Monongalia County, WV

In 2025, the USDA loan cap in Cheat-Lake, Monongalia County, WV is $285,000, whereas the FHA limit for a single-family home stands at $356,362.

Utilize the Lendersa® USDA loan calculator to evaluate today's top USDA against FHA rates, determining income, credit, reserves, and needed documents for qualification. Our advanced mortgage calculator presents USDA, FHA, Conforming, and VA loans side by side, aiding you in deciding which program in Alabama best suits your financial situation.

Compare loan offers from 100 lenders

Current Year Loan Limits and Down Payment Requirements in Cheat-Lake, Monongalia County, WV

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Cheat-Lake, WV

The goal of Lendersa® is to swiftly secure the best USDA or FHA loan for you, hassle-free. Select one of three methods to connect with lenders and explore USDA loan programs.

Lendersa USDA loan request and results

What is a USDA Loan in WV?

The USDA home loan, backed by the U.S. Department of Agriculture, also called a USDA rural development loan or mortgage, is designed for rural areas. Unlike FHA loans requiring a minimum 3.5% down payment, the USDA loan requires no down payment at all.

Enter your location to find out if it qualifies for USDA rural housing loan?



  • CPS IBEW Federal Credit Union
  • 1002 Camden Street, San Antonio, TX, 78215
  • In 1938, a group of CPS Energy® employees opened the first CPS IBEW Federal Credit Union in San Antonio. Today, we are still the only credit union to exclusively serve CPS Energy employees and their families with the most affordable, flexible and easy-to-use financial services in San Antonio.
  • United Texas Credit Union
  • 5500 UTSA Boulevard, San Antonio, TX, 78249
  • From our start as the credit union for employees of the United Services Automobile Association (USAA) to now, United Texas Credit Union has been a member-owned, not-for-profit financial cooperative with the mission of improving the financial well-being of our members and the communities we serve.
  • Synergy Federal Credit Union
  • 1 Valero Way, San Antonio, TX, 78249
  • Synergy Federal Credit Union is dedicated to building lifelong relationships with members while providing excellent personalized service and quality financial products. To be a growth credit union offering competitive products and services through state of the art delivery outlets while maintaining a sound financial position.
  • HEB Federal Credit Union
  • 4630 N Loop 1604 W, Suite 101, San Antonio, TX, 78249
  • H-E-B Federal Credit Union has been open since 1963. The credit union has assets totaling $221.76 Million and provides banking services to more than 14, 000 members. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups, but primarily serves finance, insurance, real estate.
  • Security Service Federal Credit Union
  • 15000 IH 10 West, San Antonio, TX, 78249
  • Security Service Federal Credit Union offers competitive, affordable financial products and services designed to meet the needs of its members. Security Service is an industry-leading financial institution with locations in Texas, Colorado and Utah. The credit union is among the top credit unions in the nation.
  • U.S. Bridging Loans
  • 118 Broadway STE 638, San Antonio, TX. 78205 USA, San Antonio, TX, 78205
  • Global Mortgage Group (GMG) address the need for comprehensive International real estate financing solutions. Our unique network and capabilities has allowed for asset backed loan placement in niche industries such as cannabis, and distressed situation of foreign owned property. For more information, Visit: https://usbridgeloans.com/
  • Frost Bank
  • 110 Austin Hwy, San Antonio, TX, 78205
  • Frost provides banking, investments, and insurance services to businesses and individuals throughout Texas. Founded in 1868, Frost is one of the 50 largest U.S. banks by asset size. At Frost, everything we do is aimed at making customers’ lives better. We do it by creating and delivering great experiences to them every time they interact with us.
  • Crown Lending Inc
  • 102 W Crockett St, Suite 705, San Antonio, TX, 78205
  • Crown Lending, Inc. is committed to helping you find the right mortgage product for your needs. We understand that every borrower is different, and we offer a variety of products to meet your individual requirements. We make the process of securing a mortgage simple and straightforward by offering
  • Baptist Credit Union
  • 5815 West Interstate 10, San Antonio, TX, 78201
  • Baptist Credit Union was chartered in 1955 as Memorial Hospital Employees Federal Credit Union by employees of the Baptist Memorial Hospital System of San Antonio, Texas. The credit union served that field-of-membership exclusively for 25 years. In 1982, the name was changed to Health Professions Federal Credit Union.
  • FMS Bank
  • 520 Sherman, Fort Morgan, CO, 80701
  • FMS Bank is a community Bank in every sense of the term: homegrown, locally owned and operated, and committed to our fellow neighbors. In fact, we’re more than just a community Bank, we’re a Bank built on community. All financial decisions happen right here, assuring you of fast turnarounds, responsive service
  • Alamo City Credit Union
  • 4801 NW Loop 410, Suite 100, San Antonio, TX, 78229
  • Alamo City Credit Union was originally known as Texas Workforce Credit Union when we obtained our charter July 1955. A lot of faith and foresight went into the forming of this solid organization. At the beginning, $1, 500.00 was the maximum deposit per shareholder. The loan limit was set at $200.00 and only loan per family.
  • Rodsan Mortgage LLC
  • 9111 John Barrett Drive, San Antonio, TX, 78240
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.