In 2026, within Elkins, located in Randolph County, WV, the USDA loan limit is $336,500, while the FHA loan limit for a single-family home is set at $472,030.
Utilize the Lendersa® USDA loan calculator to evaluate and compare today's top USDA and FHA rates, identifying the income, credit score, reserves, and documentation needed for qualification. Our state-of-the-art mortgage calculator presents USDA, FHA, Conforming, and VA loans side-by-side, facilitating your decision on the most appropriate program for your finances in Alabama.
2026 Loan Limits and Down Payment Requirements in Elkins, Randolph, WV
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Elkins, WV
Lendersa® aims to provide you with an optimal USDA or FHA loan swiftly and hassle-free. Choose one of the three strategies available to partner with lenders and discover USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture and also known as a USDA rural development loan or USDA mortgage, is exclusively available in rural areas. Unlike FHA loans needing at least a 3.5% down payment, USDA loans require no down payment at all.
Davis Trust Company was founded on June 17th of 1901 by former US Senator Henry Gassaway Davis. Henry G. Davis is responsible for the formation of many local landmarks in Elkins, WV such as Davis & Elkins College including the historic mansions, Halliehurst and Graceland, as well as Davis Memorial Hospital.
Citizens Bank opened its doors January 22, 1924 and has since continued to be a viable community bank, with many of our employees and officers involved in the respective communities they serve. The Board, management and staff of Citizens Bank remain committed to a long-term, personal approach to banking that puts our customers first and foremost.
The mission of the HomeOwnership Center is to strengthen the communities of North Central West Virginia by creating and supporting successful home owners through mortgage lending, credit counseling, financial advising and home buyer education. Empowering and inspiring families to achieve financial confidence and the dream of home ownership.
Miners & Merchants Bank was established June 10, 1902 by three local businessmen to serve the Town's merchants and miners. We remain a small local community-centered bank dedicated to customer service with a desire to personally serve our customers. Our customers are people - not just numbers. We are committed to good customer service- that's our g
United Hospital Center Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the United Hospital Center Federal Credit Union will continue a sound yet progressive asset management strategy
PCB is an independent community bank dedicated to providing products and services that facilitate financial success for our customers, encouraging professional success for our team members, and stimulating economic growth in our communities. Serving West Virginia and Virginia since 1925, PCB is Your Bank for Generations.
The Citizens Bank of Weston has been serving the people of Lewis and surrounding counties for 120 years. In 1891 the bank received its charter. The doors were opened for business in February of 1892. On October 1, 1894, the bank employed Thomas A. Whelan who was to become a banking legend in Lewis County.
The Grant County Bank was chartered as a West Virginia state bank on August 6, 1902 and began operations on August 15 with its first office in Petersburg, WV. Our mission of providing financial services and products to families, small businesses and the agricultural community has served both our customers and the bank well over the years.
