VA Loan Limits in West Virginia (2026)
For 2026, the VA county loan limit for most West Virginia counties is $832,750 for a single-family home — but only for veterans with partial entitlement. West Virginia has no high-cost counties, so the baseline applies statewide.
With full VA entitlement, there is no loan limit in West Virginia — eligible veterans buy at any price a lender approves with $0 down and no monthly mortgage insurance.
VA loan limits by county in West Virginia
| County | 1-Unit | 2-Unit | 4-Unit | Tier |
|---|---|---|---|---|
| Kanawha County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Berkeley County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Monongalia County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Cabell County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wood County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Raleigh County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Harrison County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Putnam County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marion County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Jefferson County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mercer County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Greenbrier County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Wayne County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Fayette County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Logan County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Mineral County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Marshall County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Preston County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Ohio County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
| Boone County | $832,750 | $1,066,150 | $1,601,650 | Baseline |
West Virginia's median home price is roughly $165,000. With $0 down and no PMI, an example VA payment near that price is about $1,234/month including the financed funding fee, taxes, and insurance.
Using your VA benefit in West Virginia
The VA home-loan benefit lets eligible West Virginia veterans, active-duty service members, and surviving spouses buy with no down payment, no monthly mortgage insurance, and competitive rates. The county limits above only matter if your entitlement is reduced — otherwise there is no cap.
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Frequently Asked Questions
- What is the VA loan limit in West Virginia for 2026?
- With full entitlement, none. For partial entitlement, most West Virginia counties use the $832,750 conforming baseline; high-cost counties go up to $1,249,125.
- Do VA loans in West Virginia require a down payment or PMI?
- No. Eligible borrowers can buy with $0 down, and VA loans never charge monthly mortgage insurance.