USDA Vs. FHA your options comparison in Williamstown, Wood County, WV
In the year 2026, the USDA loan cap for Williamstown in Wood county, WV stands at $336,500. Meanwhile, the FHA loan limit for a single-family residence is $472,030.
To compare the current USDA and FHA rate offers and evaluate the necessary income, credit, reserves, and paperwork needed for qualification, use the Lendersa® USDA loan calculator. Our state-of-the-art mortgage calculator allows side-by-side comparisons of USDA, FHA, Conforming, and VA options to identify which package in aligns best with your financial goals.
2026 Loan Limits and Down Payment Requirements in Williamstown, Wood, WV
Type of Loan
Maximum Loan Amount
Down Payment Rate
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Options for USDA and FHA Loans in Williamstown, WV
The aim of Lendersa® is to efficiently secure the best USDA or FHA loan for you, minimizing hassle. Choose from three simple steps leading to matching lenders and USDA loan solutions.
The USDA home loan, backed by the Department of Agriculture, also recognized as a USDA rural development loan or mortgage, is exclusive to rural areas. This loan requires no down payment, unlike FHA loans which necessitate at least a 3.5% down payment.
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.
Union Trades Federal Credit Union began in 1972 as the Plumbers & Steamfitters Federal Credit Union. The Credit Union was founded by union member, ""Bones Garrett"", with the help of 15 brother Pipefitters from Local 565.
In 2001, the credit union changed its name to Union Trades Federal Credit Union
One Community Federal Credit Union is a full service, federally chartered, financial cooperative located in Parkersburg, West Virginia. We are mutually owned by our members, and have been serving the Mid-Ohio Valley since 1958. Our sole purpose is to provide our membership with competitive financial services with the best possible rates
Mountain Heritage Federal Credit Union has been open since 1958. It's the 22nd largest credit union in West Virginia with assets totaling $48.94 Million and providing banking services to more than 8, 000 members as of March 2022.
The credit union is a member-owned financial cooperative providing financial banking services to multiple member gr
