Choose your West Virginia VA loan
VA Construction Loan
One application, one closing, zero down — from bare lot to move-in.
West Virginia guide →VA Renovation Loan
Buy the fixer-upper — and finance the repairs — with one VA loan.
West Virginia guide →VA Purchase Loan
The most powerful home-buying benefit in America — explained plainly.
West Virginia guide →VA Refinance
Two VA refinances, two very different jobs. Pick the right one.
West Virginia guide →VA IRRRL
Lower your VA rate with less paperwork — if the math works.
West Virginia guide →VA Cash-Out Refinance
Refinance any loan into VA — and turn equity into cash.
West Virginia guide →VA Assumable Loan
Keep the seller’s rate. Here is how assumptions really work.
West Virginia guide →West Virginia VA loan facts
| VA residual-income region | South |
|---|---|
| Loan limit with full entitlement | None — no VA cap on how much you can borrow with $0 down |
| 2026 county limit (partial entitlement only) | $832,750 in most West Virginia counties; higher in any designated high-cost county |
| Community-property state | No |
| State income tax on wages | Yes — factored into your residual income |
| Major military installations | Camp Dawson |
Disabled-veteran property tax relief in West Virginia
Homeowners who are totally and permanently disabled qualify for a $20,000 homestead exemption. Property taxes are part of your VA mortgage payment, so this benefit directly lowers what you pay each month and can increase what you qualify for. Rules and amounts change — confirm current details with your West Virginia county tax office or appraisal district.
VA residual income required in West Virginia
VA requires a minimum amount of money left over each month after your housing payment, debts and taxes. For loans of $80,000 or more in the South region:
| Family size | 1 | 2 | 3 | 4 | 5 |
|---|---|---|---|---|---|
| Minimum residual | $441 | $738 | $889 | $1,003 | $1,039 |
Add $80 for each family member beyond five. Meeting residual income by 20% or more can offset a debt-to-income ratio above 41%.
West Virginia VA loan FAQ
Who is eligible for a VA loan in West Virginia?
The same people as everywhere: most veterans, active-duty service members, Guard and Reserve members with qualifying service, and certain surviving spouses. West Virginia residency is not required — the home must simply be your primary residence.
What is the VA loan limit in West Virginia?
None with full entitlement. With partial entitlement, the 2026 county limit applies ($832,750 in most West Virginia counties).
Do West Virginia disabled veterans pay property tax?
Homeowners who are totally and permanently disabled qualify for a $20,000 homestead exemption.
Can I build a new home in West Virginia with a VA loan?
Yes. A VA one-time-close construction loan can finance the lot and build with $0 down, using an experienced builder — VA no longer requires a VA builder ID.
