For 2025, the USDA loan cap in South-Charleston, within Kanawha County, WV, is $285,000, whereas the FHA limit for a single-family home is $356,362.
Utilize the Lendersa® USDA loan calculator to assess today's leading USDA versus FHA rates, and discover the necessary income, credit, reserves, and documents required for eligibility. Our comprehensive mortgage calculator displays USDA, FHA, Conforming, and VA options side by side, assisting you in selecting the most suitable program for your financial needs in Alabama.
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| Loan Type | Loan Limit | Down Payment |
| USDA | $285,000 | 0% |
| FHA | $356,362 | 3.5% |
| Conventional Conforming | $548,250 | 3% |
The aim of Lendersa® is to help you secure the best USDA or FHA loan quickly and without hassle. You can begin with one of three options available to connect with lenders and explore USDA loan programs.
A USDA home loan, backed by the Department of Agriculture and often referred to as a USDA rural development loan or USDA mortgage, is accessible exclusively in rural areas. Unlike FHA loans that require a minimum down payment of 3.5%, USDA loans require no down payment at all.
Enter your location to find out if it qualifies for USDA rural housing loan?
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