For 2025, the USDA loan cap in Montgomery, situated in the county of Kanawha, WV, is $285,000. Meanwhile, the FHA limit for a single-family dwelling is $356,362.
Leverage the Lendersa® USDA loan calculator to compare USDA and FHA rates currently available and determine the required income, credit, reserves, and documents needed for qualification. Our advanced mortgage calculator displays USDA, FHA, Conforming, and VA options side-by-side to assist you in choosing the most suitable program for your financial scenario, particularly in
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| Loan Type | Loan Limit | Down payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The mission of Lendersa® is to facilitate getting you the best USDA or FHA loan rapidly and without complexity. Start with one of three paths to connect with suitable lenders and USDA loan programs.
A USDA home loan is backed by the Department of Agriculture, often known as a USDA rural development loan or mortgage, and is offered only in rural communities. Unlike FHA loans, which require at least a 3.5% down payment, no upfront payment is needed for a USDA mortgage.
Enter your location to find out if it qualifies for USDA rural housing loan?
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