USDA Loan Vs. FHA loan pro & con Elkins, Randolph County, WV

In 2025, 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.

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.

Lendersa USDA loan request and matching results

What is a USDA Loan in WV?

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.

Get top 10
USDA LENDERS
customized to yout needes

(301) 784-3000 Lender's profile and map Reviews First Peoples Community Federal Credit Union 153 Baltimore Street, Cumberland, MD, 21502 First Peoples Community Federal Credit Union is a member-owned cooperative committed to meeting the ongoing financial needs of its members in a safe, prudent personal manner, with the best service possible. As a community credit union, we support the development and expansion of the community.
(301) 722-3623 Lender's profile and map Reviews First Mortgage Services 203 Paca St, Cumberland, MD, 21502 First Mortgage Services understands that the purchase of a home, for many families, is the most important financial transaction that they will experience. We are committed to providing quality, personalized service and will take the time necessary to explain the mortgage loan that best meets the homeowner’s needs.
(540) 778-2294 Lender's profile and map Reviews Pioneer Bank 252 E Main St, Stanley, VA, 22851 Early in the spring of 1909, a group of farmers and merchants gathered to establish a bank in a small Virginia town known then as Stanleyton. On December 3, 1909, Farmers & Merchants Bank, Inc. opened for business with ten thousand dollars in capital stock. Over one hundred-ten years later, this independent and locally-owned bank,
(800) 688-2408 Lender's profile and map Reviews Ohio Valley Community Federal Credit Union 52775 Boston Hill Road, Hannibal, OH, 43931 Ohio Valley Community Federal Credit Union has been meeting the changing financial needs of its members since 1960. OVCFCU is one of the area's largest financial institutions. We are a full-service, federal-chartered financial institution guided by this mission statement: “Providing safety and security with innovative financial services.
(540) 932-9100 Lender's profile and map Reviews Frontier Community Bank 400 Lew Dewitt Blvd, Waynesboro, VA, 22980 Frontier Community Bank and its affiliates are committed to safeguarding the personal information that you provide us. This notice describes our privacy policy and how we handle and protect personal information we collect about individuals, such as you, who apply for or obtain our products and services.
(434) 249-2222 Lender's profile and map Reviews Monticello Reverse Mortgage 29 Stoneridge Drive, Suite 207, Waynesboro, VA, 22980 Monticello Reverse Mortgage is a local Virginia company. We specialize only in Reverse Mortgages so you can be assured of our expertise and knowledge. Because we are based here in Central Virginia, we work with you personally from start to finish of the entire Reverse Mortgage process.
(540) 942-5626 Lender's profile and map Reviews Klaren Capital 156 Abner Lane, Waynesboro, VA, 22980 "Klaren Capital uses a methodical process to determine your tolerance for risk and to establish and understand your goals. We tailor an investment approach to you and your individual needs and periodically reevaluate that approach for relevancy. Our goal is to build life-long relationships through careful analysis."
(540) 946-3200 Lender's profile and map Reviews DuPont Community Credit Union 140 Lucy Ln, Waynesboro, VA, 22980 DCCU is a member-owned, not-for-profit, full service financial cooperative committed to providing affordable financial solutions to its member owners. Founded in 1959, DCCU currently serves more than 100, 000 members and has over $1.5 Billion in assets.headquartered in Waynesboro, operates 13 branches in the Central Shenandoah Valley region.
(724) 628-2424 Lender's profile and map Reviews Glass Cap Federal Credit Union 241 North Pittsburgh Street, Connellsville, PA, 15425 Glass Cap Federal Credit Union was first chartered in 1960 and Glass Cap Federal Credit Union is a non-profit financial institution owned and operated by its members. Our sole purpose is to assist our members in sound management of their financial affairs by offering the best service and products at the lowest possible cost
(304) 665-1127 Lender's profile and map Reviews Willow Island Credit Union 7910 S Pleasants Highway, Saint Marys, WV, 26170 Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.
(724) 938-2430 Lender's profile and map Reviews Newell Federal Credit Union 309 Long Street, Newell, PA, 15466 This credit union was organized in October, of 1968, to promote thrift among its members and to accumulate a fund from these savings to make needed loans to members. We started out at Allied Chemical in Newell, PA with a small amount of members and have grown to today with members exceeding over 900 and assets over $6, 000, 000.
(724) 938-3280 Lender's profile and map Reviews Cal-Ed FCU 100 Technology Drive, Coal Center, PA, 15423 Cal-Ed Federal Credit Union has been open since 1960. The credit union has assets totaling $22.67 Million and provides banking services to more than 5, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing financial banking services to multiple member groups