USDA and FHA Pro and Con in Cross-Lanes, Kanawha County, WV
For 2026, the USDA loan limit in Cross-Lanes, located within Kanawha County, WV, is set at $285,000, whereas the FHA limit for a single-family residence is $356,362.
To compare today's top USDA and FHA rates, use the Lendersa® USDA loan calculator to determine the necessary income, credit, reserves, and documentation to qualify. With our advanced mortgage calculator, you can view USDA, FHA, Conforming, and VA loans side by side, helping you choose the best program for your financial needs in Alabama.
Loan Limits and Down Payment Requirements in Cross-Lanes, Kanawha County, WV for 2026
Loan Type
Loan Limit
Down Payment
USDA
$285,000
0%
FHA
$356,362
3.5%
Conventional Conforming
$548,250
3%
Understanding USDA and FHA Loan Options in Cross-Lanes, WV
The mission of Lendersa® is to efficiently secure the best USDA or FHA loan for you. Start with one of three options to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the U.S. Department of Agriculture and also referred to as a USDA rural development loan or USDA mortgage, is available exclusively in rural areas. Unlike FHA loans, which require a minimum 3.5% down payment, USDA loans need no down payment at all.
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.
Peoples Federal Credit Union, charter number 16993, was founded in September of 1965 as the U.C. Institute Employees Federal Credit Union. The credit union was chartered to serve the employees of Union Carbide at Institute, West Virginia. The facility, at the time of the charter, employed in excess of 2, 500 individuals.
The Poca Valley Bank is an independent, community bank which was founded beside the Pocatalico River in Walton in 1908. We opened our first branch office in 1987 in Clendenin, Kanawha County. In the 1990s, two more Kanawha County branches were built in Elkview (1990) and Sissonville (1997).
Charleston Postal Federal Credit Union has been open since 1993. The credit union has assets totaling $4.65 Million and provides banking services to more than 800 members as of March 2022.
The credit union is a not-for-profit, member-owned financial cooperative providing services to government employee members.
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 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.
