In the year 2026, the USDA loan limit for Martinsburg, within Berkeley County, WV is $336,500, whereas the FHA limit for a single-family house is $472,030.
Make use of the Lendersa® USDA loan calculator to contrast today's top USDA versus FHA rates and ascertain the income, credit, reserves, and documentation necessary for qualification. Our sophisticated mortgage calculator allows you to compare USDA, FHA, Conforming, and VA loans side-by-side, assisting you in selecting the most suitable program for your financial needs in Alabama.
2026 Loan Limits and Down Payment Requirements in Martinsburg, Berkeley County, WV
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Martinsburg, WV
The mission of Lendersa® is to facilitate securing the best USDA or FHA loan quickly and without hassle. Choose one of the three beginning avenues that connect you to lenders and USDA loan programs.
The USDA home loan is a government-backed loan by the Department of Agriculture, also known as a USDA rural development loan or USDA mortgage, offered only in rural areas. Unlike an FHA, which requires a minimum 3.5% down payment, the USDA mortgage does not necessitate any down payments.
Eastern Panhandle Federal Credit Union was originally chartered in January of 1970 as the Eastern Auto Workers Federal Credit Union. The purpose was to serve the workers and families of the General Motors parts and distribution facility here in Martinsburg.
We have evolved over the years and changed with the times
Berkeley County Public Schools Federal Credit Union
401 S Queen Street, Suite 1A, Martinsburg, WV, 25401
Lends in West Virginia
Berkeley County Public Schools FCU is a member-owned, non-profit financial cooperative. Our main goal is to provide for the financial well being of our members. Since our beginning in 1973, the credit union has offered services from basic shares (savings) accounts and loans to a wide variety of products and services.
1945 Edwin Miller Boulevard, Martinsburg, WV, 25404
Lends in West Virginia
Working together towards a common goal is an idea familiar to us as citizens, as employees, and as family members. Working together, we succeed in building a better future for all.
That spirit of cooperation inspired the formation of the 167th TFR Federal Credit Union in 1959. As a credit union, we're a non-profit financial cooperative
115 Aikens Center, Suite 20B, Martinsburg, WV, 25404
Lends in West Virginia
The MortgageFinancing.com Team is your premier mortgage team located in Martinsburg, West Virginia. We pride ourselves on offering some of the lowest rates nationwide and make the loan process simple, straightforward and fast for borrowers seeking a mortgage in the Martinsburg area
55 Meridian Parkway, Suite 101, Morgantown, WV, 25404
Lends in West Virginia
Welcome to the Burke Team at American Pacific Mortgage, where we prioritize trust, expertise, and personal service in your home financing journey. Our experienced team guides you through the mortgage process, tailoring our services to your needs, whether you're a first-time buyer, refinancing, or exploring investments. Experience the Burke Team dif
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Jefferson Security Bank is a West Virginia state-chartered bank that was formed and opened for business May 19, 1869 making it the oldest bank in Jefferson County, West Virginia. Originally chartered as Jefferson Savings Bank, it changed its corporate name in 1909 to Jefferson Security Bank.
PGPresents is an independent student loan consulting company providing educational debt management help for student loan borrowers. PGPresents specializes in helping recent medical school graduates develop repayment strategies as they transition into residency programs. While the majority of clients are graduates of medical
