USDA Vs. FHA Pro and Con comparison in Teays-Valley, Putnam County, WV

For 2025, the USDA loan limit in Teays-Valley, within Putnam County, WV, is $285,000, whereas the FHA limit for a single-family house is $356,362.

The Lendersa® USDA loan calculator can be used to assess today's top USDA and FHA rates, as well as the income, credit, reserves, and documents required for qualification. Our advanced mortgage calculator shows USDA, FHA, Conforming, and VA loans side by side, assisting you in choosing which program in Alabama suits your financial situation best.

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Loan Limits and Down Payment Requirements in Teays-Valley, Putnam County, WV for 2025

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in Teays-Valley, WV

Lendersa® is committed to finding you the best USDA or FHA loan quickly and without complications. Start with one of three pathways to align with lenders and explore USDA loan opportunities.

Lendersa USDA loan request and results

Understanding the USDA Loan in WV

The USDA home loan is backed by the Department of Agriculture, often referred to as a USDA rural development loan or USDA mortgage, and is only available in rural areas. Unlike FHA loans that require at least a 3.5% down payment, USDA loans need no down payment at all.

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



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