USDA VS FHA in Morgantown, Monongalia County, WV

In 2026, the USDA loan limit for Morgantown in Monongalia county, WV is $336,500. Meanwhile, the FHA limit for a single-family home is set at $472,030.

Utilize Lendersa®'s USDA loan calculator to compare the leading USDA and FHA rates, and determine the required income, credit, reserves, and documents to qualify. With our advanced mortgage calculator, evaluate USDA, FHA, Conforming, and VA options side by side to find the best fit for your financial position in Alabama.

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Reviewing 2026 Loan Limits and Down Payment Needs in Morgantown, Monongalia County, WV

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

Exploring USDA and FHA Loan Pathways in Morgantown, WV

The aim of Lendersa® is to quickly connect you with the ideal USDA or FHA loan, free from hassle. Choose one of three paths to match with lenders and find suitable USDA loan programs.

Visualization of Lendersa USDA loan requests and matching results

Understanding USDA Loans in WV

A USDA loan is a government-backed mortgage from the Department of Agriculture, also known as a USDA rural development loan, available in rural areas. Unlike FHA loans requiring a 3.5% minimum down payment, USDA loans require none.

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



  • QNB Bank
  • 15 North Third Street, Quakertown, PA, 18951
  • QNB will help you achieve your goals by providing a total financial relationship built upon exceptional personal service and a sincere interest in your success. Our Customers always come first and perceive the Bank as a trusted resource in achieving their financial goals. QNB takes pride in being one of the few surviving independent banks in Bucks.

  • UK Federal Credit Union
  • 1730 Alysheba Way, Lexington, KY, 40509
  • UKFCU is a rapidly growing, non-profit federally chartered credit union dedicated to providing quality financial services. For over 70 years, our commitment to providing exceptional customer service to every member of the cooperative sets us apart from other organizations. We strive to create a professional environment that fosters personal growth.

  • Whitaker Bank
  • 2001 Pleasant Ridge Drive, Lexington, KY, 40509
  • Founded in 1978 by Mr. Elmer Whitaker as Whitaker Bancorp, what is now Whitaker Bank Corporation of Kentucky has expanded from five locations within three counties and total assets of $59 million to 45 banking locations within 17 counties and combined total assets of $2.05 billion. Whitaker Bank and Peoples Bank operate as wholly-owned

  • Martin Blair - EMB Lenders
  • 141 Prosperous Place, Suite 25, Lexington, KY, 40509
  • Our team of mortgage professionals, led by Martin Blair, has well over a century of experience "making home happen". Powered by EMB Lenders, a Division of Mid America Mortgage Inc, our team has nationwide reach but provides a personalized, hands-on loan experience. We are currently licensed to provide mortgages in-house.

  • CBGC Mortgage Kentucky
  • 2333 Alexandria Drive, Lexington, KY, 40509
  • CBGC LLC is created to service the loan industry a little differently. We support our branches and loan officers with a full-service in-house team which offers them the flexibility they need to best serve their territories and customers. Servicing the loan from beginning to end saves the borrower time.

  • Pro Mortgages LLC
  • 153 Prosperous Place, Suite 2B, Lexington, KY, 40509
  • At Pro Mortgages LLC You can trust us to find the loan program that’s best for you. When you decide to buy a home or refinance a mortgage, it’s a big step. Buying a new home is a source of anxiety, frustration — and a huge sense of accomplishment. You didn’t pick the house that was best for someone else,

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  • 3270 Blazer Parkway, Suite 202, Lexington, KY, 40509
  • At MSI Lending of Lexington we strive to make you a client for life. We want to be your first choice each and every time you need a home loan. We always try to go above and beyond for you so that you will always feel confident referring your family and friends to us for their mortgage financing needs.

  • Community Alliance Credit Union
  • 39209 6 Mile Road, Suite 160, Livonia, MI, 48152
  • A member-owned financial cooperative dedicated to provide our members and our community with exceptional service, financial products and education.

    We have been meeting the financial needs of members and their families since 1966. Membership is available to employees of the Auto Club Group or any of its subsidiary companie

  • Michigan Columbus Federal Credit Union
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  • Michigan Columbus offers a variety of savings programs designed to provide financial solutions for your everyday life. We are open to the community of Livonia, Michigan, anyone who lives, works, attends school or church in Livonia, or who is related to a current member is automatically qualified for membership.

  • Michigan Financial Mortgage Company
  • 20008 Parker St, Livonia, MI, 48152
  • Michigan Financial is a full service mortgage company, located in Northville, MI. Michigan Financial is able to offer competitive rates with minimal costs on each mortgage. We focus on personal service & develop a relationship with our clients, to better understand their needs.Call us today, to find out why Michigan Financial is your best solution.

  • Priority 1 Lending, LLC
  • 38701 W. Seven Mile Rd, Suite 290A, Livonia, MI, 48152
  • We know that purchasing a home is one of the most important decisions you may ever have to make. Priority 1 Lending is committed to make your mortgage experience as smooth and pleasurable as possible. We believe in process, people, product and technology. We have staff with over 20 years experience