FHA VS Conventional loan programs in 2025 for South-Charleston, Kanawha County, West Virginia

In 2025, the conventional loan limit in South-Charleston, located in Kanawha County, WV, is $647,200. Meanwhile, the FHA limit for a single-family home is $420,680.

Use the Lendersa® Conventional loan calculator to evaluate today's most competitive rates for Conventional, FHA, and USDA loans. It helps assess the needed income, credit, reserves, and documents for qualification. With our advanced mortgage calculator, you can view Conforming Conventional, USDA, FHA, and VA loans side by side, aiding your decision on the best option in WV for your financial needs.

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2025 Loan Limits and Down Payment Requirements in South-Charleston, Kanawha County, WV

Loan Type Loan Limit Down Payment
Conventional Conforming $647,200 3%
USDA $285,000 0%
FHA $420,680 3.5%

This table is relevant for zip codes: 25309, 25303, 25389

Explore Conventional and FHA Loan Options in South-Charleston, WV

The goal of Lendersa® is to secure the best possible Conventional, USDA, or FHA loan swiftly and without hassle. Choose one of three pathways to find matching lenders and suitable loan programs.

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  • Jackson River Community Credit Union
  • 347 North Court Avenue, Covington, VA, 24426
  • Jackson River Community Credit Union is a not-for-profit financial institution that is owned and operated by its members and promotes the credit union philosophy. We provide a full range of financial services at very competitive rates and useful information to help our members in all of their financial endeavors.
  • Home Federal Credit Union
  • 131 W Pike Street, Clarksburg, WV, 26301
  • Home Federal Credit Union (formerly known as CWV TEL Federal Credit Union) has been open since 1950 with assets totaling $34.47 Million and providing banking services to more than 3, 000 members as of March 2022. The credit union is a member-owned financial cooperative providing financial banking services to multiple member groups,
  • CAPE Federal Credit Union
  • 323 East Pike Street, Clarksburg, WV, 26301
  • CAPE Federal Credit Union currently serves those who live, work, worship or attend school in Harrison County. CAPE will also partner with businesses like yours to become members of our Credit Union! Credit Union currently serves those who live, work, worship or attend school in Harrison County.
  • National Bank of Blacksburg
  • 100 South Main Street, Blacksburg, VA, 24060
  • Founded in Blacksburg in 1891, National Bank has been serving the citizens of Southwest Virginia for well over a century. With 25 full-service branch offices and $1.2 billion in assets, the bank has grown along with our region’s dynamic economy while staying true to its community banking roots.
  • First Residential Mortgage Corporation
  • 1344 N Main St, Blacksburg, VA, 24060
  • FRM company and we represent your best interests, not the big banks. We’ve been in business for over 20 years and we thrive on providing our clients with an outstanding mortgage experience. With offices in Blacksburg, Marion, and Abingdon we serve clients throughout Virginia. We’ve built our business by being an advocate for our clients.
  • First NRV Credit Union
  • 900 W. Main St, Radford, VA, 24141
  • Our credit union was first chartered on June 4, 1937 - that means that our credit union is now over 80 years old - to help serve the needs of the employees of the Radford Pipe Shop (known locally as the Foundry), and was originally named the "Radford Pipe Shop Employees Federal Credit Union".
  • Ohio Valley Community Federal Credit Union
  • 52775 Boston Hill Road, Hannibal, OH, 43931
  • Ohio Valley Community Federal Credit Union has been meeting the changing financial needs of its members since 1960. OVCFCU is one of the area's largest financial institutions. We are a full-service, federal-chartered financial institution guided by this mission statement: “Providing safety and security with innovative financial services.
  • 1st Trust Bank, Inc
  • 24 Commerce Drive, Hazard, KY, 41701
  • The Organizers of 1st Trust Bank decided to establish the Bank because of their belief in the value of customer service. Prior to 2004, some Hazard banks have been acquired by regional multi-bank holding companies headquartered outside of Hazard. In many cases, these acquisitions and consolidations have been accompanied by fee changes,
  • First Bank and Trust Company
  • 667 West Main Street, Abingdon, VA, 24210
  • First Bank and Trust Company is a relationship-driven and community-focused financial institution that provides personal and commercial banking products and services across its 31 locations in Virginia and Northeast Tennessee. The First Bank & Trust Company is a diversified financial services firm with 22 full-service Branches
  • Direction Mortgage
  • 649 Lancaster Pike, Suite 100, Circleville, OH, 43113
  • Direction Mortgage has helped thousands of people navigate their way through the home buying maze and achieve their dream of home ownership...and we’ve done so with pride since 1992. We can help you obtain an FHA (Federal Housing Administration), USDA Rural Development, VA or Conventional loan. Direction Mortgage can help you find the loan
  • Virginia Community Capital
  • 110 Peppers Ferry Road NW, Christiansburg, VA, 24073
  • Virginia Community Capital is a Community Development Financial Institution (CDFI) with a mission to create jobs, energize places, and promote an enhanced quality of life for Virginians. With offices in Christiansburg, Norfolk, and Richmond, we offer innovative and flexible financing tools throughout the state.
  • Citizens Bank of West Virginia, Inc.
  • 211 Third Street, Elkins, WV, 26241
  • Citizens Bank opened its doors January 22, 1924 and has since continued to be a viable community bank, with many of our employees and officers involved in the respective communities they serve. The Board, management and staff of Citizens Bank remain committed to a long-term, personal approach to banking that puts our customers first and foremost.