USDA and FHA Pro and Con in Elkins, Randolph County, WV

In 2025, USDA loan limit in Elkins, county of Randolph, WV is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

Compare loan offers from 100 lenders

2025 loan limits and downpayment requirments in Elkins, county of Randolph, WV

Loan Type Loan Limit Down payment
USDA $336,500 0%
FHA $472,030 3.5%
Conventional Conforming $726,200 3%

USDA and FHA loan options in Elkins, WV

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

Lendersa USDA loan request and matching results

What is USDA Loan in West Virginia?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

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



  • Avestar Credit Union
  • 125 W Madison Street, Waterloo, WI, 53594
  • Avestar Credit Union is committed to providing its members sound and dependable financial service. We will provide loans to the community in a prudent and sound manner in accordance with our written policy. Our members will receive a fair and competitive return on their investments while we maintain the financial stability of the credit union.
  • Stifel Bank & Trust
  • 501 North Broadway, 10th Floor, Saint Louis, MO, 63102
  • At Stifel Bank, we make banking and lending simple, convenient, and even enjoyable for our individual and business clients. We have adopted a client-centered business model in which each associate is responsible for contributing to our clients’ overall satisfaction; fostering an entrepreneurial culture based on participation and respect.
  • Bank of Brodhead
  • 806 East Exchange Street, Brodhead, WI, 53520
  • Our Vision is to be a strong, stable, independent community Bank built on the community’s trust since 1896. We will reaffirm that trust daily by delivering financial solutions and striving to remain a dependable partner—consistently delivering exceptional outcomes to everyone, fairly and equitably.
  • UNION BANK & TRUST COMPANY
  • PO Box 409, Evansville, WI, 53536
  • Union Bank & Trust Company began serving the Evansville community as Grange Bank in 1897. In 1916, it was acquired by Gertrude Eager and operated by her son, Leonard Eager. In 2016, we celebrate our centennial anniversary of Eager family community banking. At the same time, we honor the 150th birthday of the place our story began.
  • Peoples National Bank of Kewanee
  • 207 North Tremont Street, Kewanee, IL, 61443
  • Peoples National Bank of Kewanee is a long-standing institution in Central Illinois. Serving Kewanee for over 90 years, Peoples National Bank of Kewanee also serves the communities of Annawan, Bradford, Dwight, Manlius, Reynolds, Seneca On March 1, 1928, Peoples State Savings Bank opened its doors at the corner of Tremont and Second Streets.
  • PeoplesTrust Bank
  • 1281 Military Street South, Hamilton, AL, 35570
  • PeoplesTrust Bank opened for business on July 23, 2004 with offices in Hamilton and Hackleburg, Alabama. As the first newly chartered commercial bank in Marion County in more than 25 years, PeoplesTrust Bank was organized as a locally owned and locally focused alternative to the multi-state mega-banks. Local decision making has enabled The Bank to
  • First National Bank
  • 341 Military Street S, Hamilton, AL, 35570
  • Founded in 1976, the bank’s stable growth and progress for over 45 years is a reflection of the hard work and traditional values that exist in the Board of Directors, management, and staff. Our number one goal is to provide quality service that will meet all of your banking needs with the personal touch that will make you feel right at home.
  • First National Bank of Waterloo
  • 228 South Main Street, Waterloo, IL, 62298
  • We are a strong, local community bank, which means you can count on us! We’ve been here since 1912 as a trusted, financial partner and will be here to help you meet all of your financial goals. We focus on the financial needs of local families and small businesses by providing exceptional service, great products and sound advice.
  • Bristol Morgan Bank
  • 103 South Main Street, Oakfield, WI, 53065
  • Locally owned and operated, Bristol Morgan Bank has met the needs of Fond du Lac County and the surrounding areas for over 120 years. We care deeply about the communities we serve and the people in them. Because, well, these are our communities too. We live, work and play here just like you do.
  • THE FARMERS STATE BANK AND TRUST COMPANY
  • 200 West State Street, Jacksonville, IL, 62650
  • The Farmers State Bank and Trust Company has been proudly serving the Morgan County Community for over 100 years. The Farmers State Bank and Trust Company was organized in 1910 under a charter issued by the State of Illinois. Upon subscribing the necessary capital, a group of prominent businessmen.
  • St. Louis Policemen’s Credit Union
  • 1915 Olive Street, Saint Louis, MO, 63103
  • St. Louis City Police Headquarters since it’s establishment in 1934. The Credit Union was established to help new Policemen obtain loans to purchase their uniforms. We have definitely grown since then. We now offer several Account Types and Loan Programs. We also offer services from money orders, to online banking for our members.
  • Tuskegee Federal Credit Union
  • 304 West Montgomery Road, Tuskegee, AL, 36083
  • TFCU is a not-for-profit cooperative of members who have the following common bond: 1. Affiliation with Macon County Board of Education & Tuskegee Institute. 2. Persons who reside, work or worship in Macon County, AL. 3. Members of the South East Alabama Self-help Association. 4. Members and employees of the Christian Methodist Episcopal Churches.