USDA Vs. FHA your options comparison in South-Charleston, Kanawha County, WV

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.

Explore loan offers from 100 lenders

Loan Limits and Down Payment Needs for 2025 in South-Charleston, Kanawha County, WV

Loan Type Loan Limit Down Payment
USDA $285,000 0%
FHA $356,362 3.5%
Conventional Conforming $548,250 3%

Exploring USDA and FHA Loan Options in South-Charleston, WV

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.

Lendersa USDA loan request and results

Understanding USDA Loans in WV

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?



  • Capital United
  • 3200 East Guasti Road, Suite 100, Ontario, CA, 91761
  • 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.
  • Firm Foundation Finances Inc
  • 4345 East Lowell Street, Suite N, Ontario, CA, 91761
  • The mortgage Industry is filled with companies and individuals that forget that individuals need individual attention. Many in the industry are amateurs that don't know what they are doing and don't have your best interest at the forefront. We know that "Close Enough" in not Enough.
  • Apple Financial Network
  • 3200 E Guasti Rd, Suite 100, Ontario, CA, 91761
  • BirdEye Loans, Inc. John is dedicated to serving the needs of homebuyers and homeowners in the Inland Empire, Los Angeles and throughout California seeking the right loan for their situation. In his 19 years of dedicated service, John has worked with homebuyers seeking their very first home, experienced buyers seeking to upgrade to a larger home.
  • Blisss Life Enterprises
  • 3200 E Guasti Rd, Suite 100, Ontario, CA, 91761
  • "The Blisss Life Agency, a full-service mortgage and residential real estate brokerage offering a first class experience. Blisss Life, a wealth building brand dedicating to educating African American millennials learn to respect money so that they can live a financially free, blisssful life."
  • CalShield Home Loans Inc
  • 3200 E Guasti Rd Ste 100, Ontario, CA, 91761
  • The goal of CalSHIELD Home Loans, through a philosophy of ethical lending principles, is to provide a safe haven for borrowers where fees and costs are firmly set and where rates are the best available in order to fully care for every need our clientele may have.Nicholas Wright is the owner of CalSHIELD Home Loans.
  • Golden Empire Mortgage
  • 3281 Guasti Rd, Ontario, CA, 91761
  • Golden Empire Mortgage a group of highly motivated and dedicated professionals that proudly provides their valued clients with the absolute best in financial advice,Our office has built a business model surrounding the concept of lending better in a market that is in need of better lenders
  • California Financial Center
  • 3200 East Guasti Road, Ontario, CA, 91761
  • California real estate and mortgage industries since 2001 and have successfully helped 100s of clients buy & finance their homes. Since the crash of the real estate market at the end of 2006 we've also had to adapt to the changing market helping many people successfully short sell their homes to avoid foreclosure
  • PRMG Mortgage
  • 1265 Corona Pointe Court, Suite 301, Corona, CA, 92879
  • 16 year of mortgage experience. I'll return your call, respond to your emails, answer my phone and answer all your questions. If I don't have the answer right away, I'll find it and get back to you quickly. Call me to discuss any residential mortgage needs you may have for FHA, VA, USDA or Conventional loans for single or multi-unit properties.
  • Active Lending Group
  • 98 E. Grand Blvd, Corona, CA, 92879
  • Tiffany Nyiri was born breathing real estate. Her family has operated a successful real estate and mortgage lending company in Southern California since 1969 and she has personally been servicing her clients as a loan officer since 1997. As a mortgage broker, Tiffany brings a wealth of experience, knowledge, and resources to the table.
  • American Inland Realty
  • 400 North Princeland Court, Suite 2-3, Corona, CA, 92879
  • American Inland Realty specializing in mortgage loan servicing. American Inland Realty Provide a superior level of customer relations and service, and ensure compliance. Maintain quality control to ensure all loans run smoothly and efficiently. American Inland Realty Established in 2009.
  • New Venture Home Loans
  • 650 East Parkridge Avenue, Suite 110, Corona, CA, 92879
  • New Venture Capital, we are a highly referred real estate agency because we always put the needs of our clients first. Whatever you need, our team is available to make the home buying or selling process easier for you. Should you need anything notarized, we also have a notary public on-site. We are also bilingual. Hablamos Espanol.