FHA VS Conventional loan programs in Madison, Boone County, West Virginia

In 2026, the conventional loan limit within Madison, Boone county, WV is $726,200. For a single-family home, the FHA limit is $472,030.

Use the Lendersa® Conventional loan calculator to assess today's best rates for Conventional, FHA, and USDA loans. Determine the necessary income, credit, reserves, and documents needed to qualify. Our comprehensive tool lets you view Conforming Conventional, USDA, FHA, and VA loans side by side to help decide which program in WV suits your financial needs best.

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2026 Loan Limits and Downpayment Details in Madison, Boone, WV

Loan Type Loan Limit Down Payment
Conventional Conforming $726,200 3%
USDA $336,500 0%
FHA $472,030 3.5%

The table is relevant to zip codes: 25130

Explore Conventional and FHA Loan Options in Madison, WV

Lendersa® is dedicated to securing the best available Conventional, USDA, or FHA loan efficiently and hassle-free. Choose one of three approaches to find matching lenders and loan programs.

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Madison Lenders

  • CAMC Federal Credit Union
  • 3400 MacCorkle Avenue SE, Charleston, WV, 25304
  • Lends in West Virginia
  • CAMC Federal Credit Union has been open since 1977. It's the 15th largest credit union in West Virginia with assets totaling $81.04 Million and providing banking services to more than 5, 000 members as of March 2022.

    The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups

  • City National Bank
  • 25 Gatewater Road, Cross Lanes, WV, 25356
  • Lends in West Virginia
  • City has been delivering innovative, superior financial solutions for 60 years, proudly serving consumers and businesses in more than 90 locations across West Virginia, Kentucky, Virginia and Ohio. City’s commitment to personalized service and community support has turned this Charleston, West Virginia company

  • Pioneer Appalachia Federal Credit Union
  • 1316 Kanawha Boulevard East, Charleston, WV, 25301
  • Lends in West Virginia
  • Pioneer Appalachia Federal Credit Union was established in 1940 by a group of "pioneering" educators. They all shared a dream that one day the teachers of Kanawha County Schools would have an alternative to traditional banking. They would create a place that "members" could join and be founded on the principle of "people helping people.

  • The Religious Coalition for Community Renewal
  • 1117 Quarrier Street, Charleston, WV, 25301
  • Lends in West Virginia
  • The Religious Coalition for Community Renewal, established in 1987, is a 501(c)3 not for profit organization in Charleston, WV. The RCCR is a membership organization with over 30 religious interfaith congregations making up its membership. The RCCR is supported by an all volunteer board, and receives its funding from its members and trusts.

  • Victorian Finance, LLC
  • 1205 Virginia St East, Charleston, WV, 25301
  • Lends in West Virginia
  • Victorian Finance, LLC in 2003 to help Pittsburghers achieve the American Dream of home ownership. And he has expanded that achievement to a nationwide organization. The "Victorian Story" started when Sonny infused the principals of chemical engineering into the mortgage business. A former chemical engineer by trade

  • Kemba Charleston Federal Credit Union
  • 1830 Roxalana Road, Dunbar, WV, 25064
  • Lends in West Virginia
  • Kemba Charleston is dedicated to serving its members through low loan rates, high returns and many other services. We serve the areas of Dunbar, Institute and Nitro. We also have numerous employee groups with our main one being Kroger. Find out how you can join today to take advantage of our numerous financial benefits.

  • The State Credit Union
  • 2200 Washington Street East, Charleston, WV, 25311
  • Lends in West Virginia
  • 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
  • Lends in West Virginia
  • 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.

  • Members Choice WV Federal Credit Union
  • 201 Ohio Ave, Charleston, WV, 25302
  • Lends in West Virginia
  • 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.