USDA and FHA Pro and Con in Williamstown, Wood County, WV

In the year 2025, 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.

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2025 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.

Lendersa USDA loan request outcomes

Understanding USDA Loans in WV

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.

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



  • SOFTITE COMMUNITY FEDERAL CREDIT UNION
  • 1201 S Zane Highway, Martins Ferry, OH, 43935
  • SOFTITE COMMUNITY FEDERAL CREDIT UNION is a not for profit financial institution, owned by the members of the Credit Union Provide us with your identification and a minimum deposit of $25.00 into a share/savings account for your membership.Softite Community Federal Credit Union’s field of membership shall be limited to those having the following
  • Fairfield Federal Savings and Loan Association of Lancaster
  • 111 East Main Street, Lancaster, OH, 43130
  • Fairfield Federal Savings & Loan Association is your Fairfield County community bank specializing in Home Mortgage Loans. We've been serving the Lancaster community since 1895. Fairfield Federal is a Member of the FDIC and is an Equal Housing Lender. Stop in and see us today! We are banking that revolves around you
  • Teamsters Local 697 FCU
  • 901 Market Street, Wheeling, WV, 26003
  • Teamsters Local 697 Federal Credit Union has been open since 1972. The credit union has assets totaling $3.14 Million and provides banking services to more than 500 members as of March 2022. The credit union is religious, or fraternal, or low-income associational credit union. Membership is also open to immediate family of current members.
  • OCPS Federal Credit Union
  • 280 Fulton Street, Wheeling, WV, 26003
  • OCPS Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the OCPS Federal Credit Union will continue a sound yet progressive asset management strategy
  • "United Hospital Center Federal Credit Union"
  • 327 Medical Park Drive, Bridgeport, WV, 26330
  • United Hospital Center Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership. In order to accomplish this mission, the United Hospital Center Federal Credit Union will continue a sound yet progressive asset management strategy
  • Clay County Bank, Inc.
  • 150 Main Street, Clay, WV, 25043
  • Clay County Bank offers customers and businesses a variety of banking products with big bank features and technology, while maintaining a down-home country atmosphere with friendly people and outstanding customer service. We are home of the Golden Delicious Festival and the Elk River Trail State Park.
  • Members Choice WV Federal Credit Union
  • 201 Ohio Ave, Charleston, WV, 25302
  • Members Choice WV Federal Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship, attend school or do business in Kanawha County, WV.Credit Union is a community chartered not-for-profit financial cooperative serving all who live, work, worship.
  • Home Loan Savings Bank
  • 413 Main Street, Coshocton, OH, 43812
  • The Home Loan Savings Bank has been serving the financial needs of the Coshocton County since 1882. Our relationship to the community has remained as strong as it was from our beginning, and it continues to grow today. All of the decisions regarding loans and bank operations are made locally, and we are able to tailor our services to truly meet the
  • Peoples Federal Credit Union
  • 419 First Avenue South, Nitro, WV, 25143
  • Peoples Federal Credit Union, charter number 16993, was founded in September of 1965 as the U.C. Institute Employees Federal Credit Union. The credit union was chartered to serve the employees of Union Carbide at Institute, West Virginia. The facility, at the time of the charter, employed in excess of 2, 500 individuals.
  • YTR Community Federal Credit Union
  • 134 3rd Street, Tiltonsville, OH, 43963
  • YTR Community Federal Credit Union exists to encourage thrift among our members, provide credit for prudent and productive purposes, and provide financial services which will better our members' lives and our community as well. If you live, work, or worship in our area, you can join YTR Community Federal Credit Union!
  • The State Credit Union
  • 2200 Washington Street East, Charleston, WV, 25311
  • At The State Credit Union, our goal, quite simply, is to minimize your exposure to risk and the impact of any fraudulent activity on your accounts. To protect your account, The State Credit Union monitors debit card transactions for potentially fraudulent activity through a Fraud Detection Program called EnFact Premium Testing.
  • W V Air National Guard FCU
  • 1512 Coonskin Drive, Charleston, WV, 25311
  • West Virginia National Guard Federal Credit Union has been open since 1959. It's the 20th largest credit union in West Virginia with assets totaling $50.63 Million and providing banking services to more than 2, 000 members. The credit union is a not-for-profit, member-owned financial cooperative providing services to U.S. military members.