USDA Vs. FHA Pro and Con comparison in St.-Marys, Pleasants County, WV
For 2026, the USDA loan limit applicable in St.-Marys, located in the county of Pleasants, WV, stands at $285,000. On the other hand, the FHA limit for a single-family home is $356,362.
Leverage the Lendersa® USDA loan calculator to assess the current top USDA versus FHA rates, figuring out the income, credit, reserves, and documentation required for qualification. Our sophisticated mortgage calculator presents USDA, FHA, Conforming, and VA options side-by-side, guiding you in choosing the best fit for your financial needs, especially in .
2026 Loan Limits and Downpayment Specifications in St.-Marys, County of Pleasants, WV
Loan Type
Cap Amount
Initial Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Exploring USDA and FHA Loan Options in St.-Marys, WV
The intention of Lendersa® is to efficiently secure you the best USDA or FHA loans without hassle. Choose any of the three starting points to find matching lenders and USDA loan options.
A USDA home loan, backed by the Department of Agriculture, often termed a USDA rural development loan or mortgage, is exclusively available in rural areas. Unlike FHA loans, which require a 3.5% minimum down payment, a USDA mortgage necessitates no down payment.
Willow Island Federal Credit Union was chartered on March 4, 1953. The chartering members were Raymond E Leach, Earl D Ellis, R C Lantz, Alfred T Hall, John H Cramer, D Ernest Wilcox, & R K Britton. The credit union was organized due to the need for employees to be able to obtain loans at a reasonable rate.
Long Reach Federal Credit Union was organized in 1975. We are a not-for-profit organization that is member-owned, where earnings are paid back to the members with lower loan rates and higher savings rates, rather than being owned by stockholders. Long Reach Federal Credit Union offers many products and services to meet your financial needs.
Union Bank is a locally owned and locally managed, independent, full-service community bank, with approximately $235 million in assets. We operate eight (8) full service locations in northwestern West Virginia, in the communities of: Middlebourne, Sistersville, St. Marys, Hundred, New Martinsville, Pennsboro, Harrisville, and Ellenboro,
Williamstown Bank, Inc. is a locally owned and operated community bank serving Wood County, WV and the surrounding area. Founded in 1919, Williamstown Bank understands the needs of customers evolve over time, and we are excited to offer a unique blend of the most up to date technology with the personalized service
WEE Federal Credit Union was established in 1961 as a non-profit financial institution set up to serve the Wood County Educational Employees (Wood County, West Virginia) and their family members by providing a convenient way to save money as well as providing its members a way of borrowing money at a reasonable rate of interest.
West Union Bank began doing business in 1893 at the corner of Columbia and Court Streets in West Union, Doddridge County, and continued there until 1973 when the Bank moved to its current location at 212 Main St. West Union, WV 26456. In response to the popularity of the Bank’s services outside of its home county.
