West Virginia Mortgage Guides 2026
This complete West Virginia mortgage guide covers 2026 FHA loan limits across all 55 counties, including Jefferson County’s limit at the national ceiling, West Virginia Housing Development Fund loans and down payment assistance, USDA income limits for the two areas above the base, VA entitlement and funding fees, and a closing cost breakdown built on the state’s recording fees and transfer tax — in one place.
Everything You Need for a West Virginia Home Purchase
Six in-depth guides covering every stage of buying a home in West Virginia — from choosing a loan program to knowing exactly what you will pay at the closing table.
West Virginia Mortgage Guide
FHA and conforming loan limits county by county, a side-by-side loan program comparison, West Virginia property taxes, the state’s transfer tax, and how its housing markets shape your financing options.
Read guide →West Virginia First-Time Home Buyer Guide
WVHDF’s Homeownership Program and Low Down Home Loan explained, the Movin’ Up option for repeat buyers, and county-by-county income and house price limits for all 55 counties.
Read guide →West Virginia FHA Loan Requirements
2026 FHA limits for all 55 West Virginia counties, Jefferson County’s national-ceiling limit, one-to-four unit figures, HUD’s credit and down payment rules, and how FHA mortgage insurance works.
Read guide →West Virginia VA Loan Requirements
VA entitlement and why full entitlement carries no county loan cap, the 2026 funding fee tables and exemptions, service requirements, and how VA pairs with WVHDF programs.
Read guide →West Virginia USDA Loans
FY2026 USDA income limits including the two West Virginia areas above the base limit, how to check an address for eligibility, guarantee fees, and how zero-down USDA compares with FHA.
Read guide →West Virginia Closing Costs Guide
West Virginia’s statewide recording fees, the real estate transfer excise tax and who pays it, how title insurance rates are filed, and a fee-by-fee breakdown for buyers and sellers.
Read guide →Key West Virginia Mortgage Guide Facts
FHA Loan Limits (2026)
- 54 of 55 counties: $541,287
- Jefferson County: $1,249,125
- Conforming limit, 54 of 55 counties: $832,750
- Conforming limit, Jefferson County: $1,249,125
- HUD FHA mortgage limits lookup
Down Payment Assistance
- WVHDF Low Down Home Loan: up to $12,000
- Second mortgage: 15-year fixed at 2%
- For down payment and/or closing costs
- Only with a WVHDF Homeownership or Movin’ Up first mortgage
- West Virginia Housing Development Fund
Property Taxes
- Est. effective rate: 0.53%
- Median annual real estate tax bill: $865
- Median owner-occupied home value: $162,600
- Census ACS 2020–2024 5-year table B25103
Closing Cost Highlights
- Recording a deed or deed of trust: $30
- Each page over five: $1
- Transfer tax: $1.65 to $2.75 per $500, by county
- Affordable Housing Fund fee: $20
- W. Va. Code § 11-22-2
Buying or Refinancing in West Virginia?
West Virginia’s loan limits are the same in 54 counties and jump to the national ceiling in Jefferson County, while WVHDF sets Homeownership Program income and house price limits county by county, and the transfer tax rate depends on where you buy. Knowing which of those apply to you changes what you can afford.
- ✓ Confirm current programs and limits at the West Virginia Housing Development Fund
- ✓ Check your county’s income and house price limits and whether it is a WVHDF targeted county
- ✓ Ask the county clerk which transfer tax rate applies where you are buying
- ✓ Compare WVHDF assistance against a straight FHA or USDA loan
Coming soon · No obligation · Educational first
West Virginia Advisor Network — Coming Soon
We currently connect buyers with licensed mortgage advisors in Florida and Utah. West Virginia is on our expansion list. In the meantime, our West Virginia guides and the official program links above have everything you need to research your purchase.
Join the West Virginia Waitlist