In the year 2026, the USDA loan limit in Charleston, located in Kanawha county, WV, is set at $336,500, while the FHA limit for single-family homes is $472,030.
Leverage the Lendersa® USDA loan calculator to pit today's USDA and FHA rates against each other and figure out the required income, credit profile, reserves, and documentation to qualify. The advanced mortgage calculator offers a side-by-side comparison of USDA, FHA, Conforming, and VA loan options, assisting you in choosing the most suitable program for your financial needs in Alabama.
2026 Loan Limits and Downpayment Requirements in Charleston, Kanawha County, WV
Loan Type
Loan Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
Exploring USDA and FHA Loan Options in Charleston, WV
The objective of Lendersa® is to efficiently secure the best USDA or FHA loan for you, free from hassle. Choose from among three initial pathways to connect with matching lenders and suitable USDA loan programs.
The USDA home loan, guaranteed by the Department of Agriculture, is also known as a USDA rural development loan or USDA mortgage, and is available solely in rural neighborhoods. In contrast to FHA loans, which mandate a minimum 3.5% down payment, USDA loans do not require any down payment, making them particularly attractive.
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