USDA Vs. FHA your options comparison in Charleston, Kanawha County, WV
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.
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.
300 Virginia Street East, Room 4203, Charleston, WV, 25301
Lends in West Virginia
Charleston Federal Credit Union was chartered on April 3, 1959 for the Federal employees who work in or supervised from Kanawha Valley.
Charleston Federal Credit Union has as its mission the responsibility for providing an efficient, effective, and well-managed financial institution that meets the needs of its membership.
Element FCU is a local financial co-op based in Charleston, West Virginia. We provide some of the best financial services and member care in the country. If you're looking for a low stress, highly connected relationship with your financial institution, we should talk. Everyone has an element.
Pioneer West Virginia 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, 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 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
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
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.
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.
