USDA Vs. FHA Pro and Con comparison in Morgantown, Monongalia County, WV

In 2025, 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 2025 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?



  • Blue Square Mortgage LLC
  • 4212 33rd Avenue West, Seattle, WA, 98199
  • Blue Square Mortgage, customers always come first. Anytime you have a question or concern, you can get the support you need. We are here to guide you through the entire mortgage process from start to finish. We don't look at your successful purchase of your first home through Blue Square Mortgage as an ending. We see it as a beginning
  • First City Mortgage
  • 861 E Thousand Oaks Blvd, Suite 1, Thousand Oaks, CA, 91360
  • Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
  • Conejo Simi Moorpark Assoc of REALTORS
  • 463 Pennsfield Pl, Suite 100, Thousand Oaks, CA, 91360
  • The Conejo Simi Moorpark Association of Realtors® is a member service organization of professionals in real estate, who subscribe to a strict Code of Ethics of the National Association of Realtors®. The Conejo Simi Moorpark Association of Realtors® is pledged to promote and maintain high standards of conduct in the real estate professionl.
  • Thousand Oaks Mortgage
  • 812 Woodlawn Dr, Thousand Oaks, CA, 91360
  • Michael started his real estate career in 1971 with the purchase of his first home. Michael bought a home in Perrysburg, Ohio for the enormous sum of $20, 000.00! It had no central heat, and no insulation but it did have knob and tube wiring. The home was built before 1865 and it needed some restoration.
  • Affinity Mortgage Group, Inc.
  • 325 E. Hillcrest Drive, Suite 195, Thousand Oaks, CA, 91360
  • Affinity Mortgage Group was established in 1996 and started as a boutique mortgage practice but over the years found there was a much larger need. We have now evolved into a total financial services company offering Mortgage Planning, Debt Management, Asset Protection and Wealth Preservation,
  • Sherwood Mortgage Group, Inc
  • 915 Greenwich Drive, Thousand Oaks, CA, 91360
  • Sherwood Mortgage Group, Inc. is located in Thousand Oaks in Ventura County, CA. We have over 25 years experience in real estate lending & our clients keep coming back to us because of our personal attention. This site is designed to help you learn more about us, what we do & how we can save you money in your real estate transactions.
  • Summit Financial Network inc.
  • 99 Long Court, Suite 101, Thousand Oaks, CA, 91360
  • Summit Mortgage and Investment Company is a financial services organization. We provide individuals, businesses and organizations with expert real estate advice and services including real estate lending, real estate brokerage, property management and investment. Summit is committed to helping our clients.
  • lowermortgage.net
  • 100 E Thousand Oaks Boulevard, Suite 161, Thousand Oaks, CA, 91360
  • "LowerMortgage.net has built a strong reputation as an outstanding mortgage brokerage firm serving the lending needs of consumers and real estate professionals. We are a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending from purchase to refinance."
  • Jay Kunkle - RPM Mortgage
  • 100 East Thousand Oaks Blvd Thousand, Thousand Oaks, CA, 91360
  • MLD Mortgage Inc. dba The Money Store® is a direct mortgage lender that is headquartered in Florham Park, NJ. The Money Store® has been a trusted mortgage brand for over 40 years.The Money Store® offers mortgage solutions for all ages and financial situations from young borrowers to senior borrowers.
  • Klamath River Mortgage
  • 6000 S. 6th Street, Klamath Falls, OR, 97603
  • We are licensed & regulated financial professionals who bridge the gap between borrowers & lenders.Our environment is friendly yet professional.We anticipate hiccups before they occur & our decades of experience head of issues that keep you from closing on time.Because we work with so many lenders, what may not work with one may work with another.
  • Pacific Crest Federal Credit Union
  • 2972 Washburn Way, Klamath Falls, OR, 97603
  • "Pacific Crest Federal Credit Union is a financial cooperative that serves our members that live, work, or worship in Klamath, Lake, Modoc & NE Siskiyou Counties. The credit union offers a full range of financial services. Our lending decisions are made locally and we have money to lend to meet your financial needs."