USDA and FHA Pro and Con in Nitro, Kanawha County, WV
For 2026, the USDA loan limit in Nitro, located in the county of Kanawha, WV stands at $336,500, whereas the FHA limit for a single-family residence is $472,030.
Utilize the Lendersa® USDA loan calculator to contrast the premier USDA and FHA rates available today, and identify the income, credit, reserves, and documentation required for eligibility. Our comprehensive mortgage calculator provides a side-by-side view of USDA, FHA, Conforming, and VA loans, aiding in selecting the most suitable option for your financial needs, especially in .
2026 Loan Limits and Downpayment Requirements in Nitro, County of Kanawha, WV
Type
Maximum Limit
Down Payment
USDA
$336,500
0%
FHA
$472,030
3.5%
Conventional Conforming
$726,200
3%
USDA and FHA Loan Options in Nitro, WV
The objective at Lendersa® is to obtain you the most favorable USDA or FHA loans quickly and without complications. Choose one of three initial steps to connect with matching lenders and USDA loan programs.
A USDA home loan is government-secured through the Department of Agriculture and is known as a USDA rural development loan or USDA mortgage. These loans are exclusively offered in rural communities. Unlike FHA loans that demand a 3.5% down payment, a USDA mortgage requires no initial payment.
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.
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 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.
Putnam School Employees Federal Credit Union, charter number 21107, was founded November 9, 1972. It was chartered to serve the employees of Putnam County Board of Education. At Conception it was operated out of the home of founding members Mr. and Mrs. Raymond Peak. Following there, space was donated by the Putnam County Board
Our mission is to serve our customers with honesty, integrity and competence. Our goal is to provide home loans to our clients while providing them with the lowest interest rates and closing costs possible. Furthermore, we pledge to help borrowers overcome roadblocks that can arise while securing a loan.
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.
