USDA Vs. FHA Pro and Con comparison in Shepherdstown, Jefferson County, WV
In 2026, 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 .
2026 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.
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
Core Mortgage Services, LLC brings a refreshing and innovative approach to mortgage lending through diverse and coveted loan product availability. Our team of experts are ready to help you find the ideal mortgage for your situation. We serve all areas of Pennsylvania, Virginia, West Virginia, and Florida
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
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.
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
Zen Mortgage Group(formerly Zen Loans Home of the Refi King Serving All Your Mortgage Needs! Licensed in WV, VA and MD Zen Loans has been in business since 1999 offering infinite options for all your refinancing and new mortgage needs. Contact us for a no obligation consultation. Plus, ask about all our low mortgage rates
