VA loans in Martinsburg.
The Berkeley County figure on this page is a county reference only, not an address-based lookup for Martinsburg. Confirm the property's county before relying on it.
Berkeley County reference value. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties.
Source: FHFA Full County Loan Limit List for 2026 (HERA-based, final). One-unit limit; applies to mortgages acquired in calendar year 2026. Source checked 2026-09-16. · Berkeley County (FIPS 54003)
County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Look the property's county up at FHFA.
What the county figure means here.
A borrower with full VA entitlement does not have a VA loan limit, subject to lender approval, ability to repay, and the appraised value or purchase price. The FHFA one-unit county conforming loan limit matters primarily when calculating remaining bonus entitlement for a borrower who does not have full entitlement, and it may affect whether a down payment is required.
Berkeley County carries a $832,750 one-unit conforming loan limit value for 2026, and that is the county figure we reference for Martinsburg. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. Whichever county your property is in, the value is used in remaining-entitlement calculations — including on a 2–4 unit property — and is not a cap on what a fully-entitled buyer can finance.
Planning around BAH? Rates vary by pay grade, dependency status, and ZIP-based Military Housing Area — verify yours on the official DoD BAH calculator.
This site does not publish current rates or APRs. Your rate and terms depend on your credit profile, income and assets, the property, market conditions, lock timing, points or lender credits, underwriting, and final lender approval. Request a personalized quote from Bolt Home Loans LLC.
Estimate a payment with your own rate assumptionMartinsburg building permits: apply through MGO Connect under the state building code
The City of Martinsburg Planning Department enforces the West Virginia State Building Code adopted by the City, including plan review, permit issuance and inspections by certified building inspectors. The City accepts and takes payment for building permit applications online through the MGO Connect portal, which it calls the fastest method, and publishes a homeowner's guide and step-by-step instructions.
The City quotes the building code's rule that anyone who intends to build, enlarge, alter, repair, move, demolish or change a building's occupancy, or install or replace regulated electrical, gas, mechanical or plumbing systems, must first obtain a permit. Practical step: ask the Planning Department for permits covering listed upgrades. For questions, the page lists a building code official and separate commercial and residential building inspectors at City Hall.
Berkeley County homestead: file July 1–December 1 with a physical disability letter
The Berkeley County Assessor says new homestead applicants must file between July 1 and December 1. Applicants must be 65 by July 1 of the tax year or 100% permanently and totally disabled, show a West Virginia driver's license or voter registration card, and have been West Virginia residents for two consecutive years. They also sign an oath that they receive no similar exemption elsewhere.
For disability-based applications, the office requires a physical letter stating 100% disability and will not accept an application without one. Only one exemption is allowed per homestead. Practical step: bring a printed award letter to the Assessor during the filing window.
- FHFA — Conforming loan limit values
- City of Martinsburg Planning Department — Building & Permits
- Berkeley County Assessor — Homestead
- VA — Home loan entitlement and limits
Sources checked 2026-09-24. Educational information only, not legal, tax or underwriting advice.
VA loan programs available in WV.
$0 down in Martinsburg. No PMI.
Lower your rate. Minimal paperwork.
Up to 100% LTV — conventional caps at 80%.
$0 down above conforming.
Finance repairs into your purchase.
Roll energy upgrades into the loan.
Widows and widowers of WV veterans qualify.
Zero down, no PMI, and a 100% funding-fee waiver on a home in Martinsburg, subject to eligibility verification and Certificate of Eligibility issuance.
Surviving spouse guideDisabled veteran? Stack the SAH grant on your Martinsburg purchase.
Up to $126,526 in FY 2026 toward a VA-approved plan to acquire, construct, or adapt a suitable home. VA approves eligibility and use; the grant is separate from your VA home loan.
SAH grant guideVA loans in Martinsburg — answered.
FHFA sets conforming loan limit values by county, not by city, and there is no single published figure for a city as such. The county we reference for Martinsburg is Berkeley County (FIPS 54003), whose official 2026 one-unit value is $832,750 per the FHFA Full County Loan Limit List. County reference, not an address-based lookup. Confirm the county of the property before using this value; city and metro boundaries can cross counties. The figure only matters for remaining-entitlement calculations — with full entitlement there is no VA loan limit, subject to lender approval, ability to repay and appraised value.
BAH varies by pay grade, dependency status, and ZIP-based Military Housing Area, and DoD updates rates annually. Check your exact rate on the official DoD BAH calculator. Lenders may count BAH as qualifying income, subject to underwriting.
A VA-eligible borrower with full entitlement may be able to pursue a primary-residence purchase in Martinsburg with no down payment and no monthly PMI. Eligibility, credit, income, the VA appraisal, and final lender approval all apply, and closing costs and prepaids are still due.
An unremarried surviving spouse of a veteran who died in service or from a service-connected disability may qualify for the full VA benefit in Martinsburg — zero down, no PMI, and a 100% funding-fee waiver, subject to eligibility verification.