USDA VS FHA in Shepherdstown, Jefferson County, WV
In 2025, the USDA loan limit in Shepherdstown, county of Jefferson, WV, is set at $776,600, whereas for a single-family home, the FHA limit is $1,089,300.
You can utilize the Lendersa® USDA loan calculator to evaluate today's best USDA versus FHA rates and determine the necessary income, credit score, reserves, and documents for qualification. Our state-of-the-art mortgage calculator provides a side-by-side comparison of USDA, FHA, Conforming, and VA options, aiding your decision-making for the most suitable financial program, especially in .
2025 Loan Limits and Downpayment Requirements in Shepherdstown, County of Jefferson, WV
Loan Type
Loan Limit
Down Payment
USDA
$776,600
0%
FHA
$1,089,300
3.5%
Conventional Conforming
$1,089,300
3%
Exploring USDA and FHA Loan Options in Shepherdstown, WV
The aim of Lendersa® is to swiftly and efficiently secure you the most advantageous USDA or FHA loan. Begin with one of three approaches that connect you to matching lenders and USDA loan programs.
The USDA home loan is a government-backed loan through the Department of Agriculture, commonly referred to as a USDA rural development loan or mortgage, available exclusively in rural areas. Unlike FHA loans that require a minimum of 3.5% downpayment, this USDA mortgage doesn't demand any down payment at all.
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