West Virginia FHA Loans
West Virginia FHA Loan Rates - 3.5% Down, 580+ FICO
FHA loans give West Virginia buyers a path to homeownership with 3.5% down and flexible credit requirements. West Virginia follows the FHA national floor of $524,225. Live FHA pricing below.
FHA Loan Facts
- Down payment as low as 3.5% with 580+ credit score
- Down payment assistance programs available to fully cover the 3.5% down payment
- Credit scores 500-579 require 10% down payment
- Upfront Mortgage Insurance Premium (UFMIP) of 1.75% - can be financed into the loan
- Annual MIP of 0.55% for most loans - required for the life of the loan with less than 10% down
- Maximum DTI up to 57% with compensating factors
- Primary residence only - properties up to 4 units eligible
- FHA 203(k) renovation loans available for fixer-uppers
West Virginia FHA Quick Facts
2026 FHA loan limit
$524,225 floor
Min down payment
3.5% (580+ FICO)
Mortgage insurance
UFMIP 1.75% + monthly MIP for life of loan
Largest metro
Charleston
Frequently Asked Questions
What is the FHA loan limit in West Virginia?+
West Virginia's 2026 FHA loan limit is at least the national floor of $524,225 for a 1-unit property. Most counties use the floor. The pricer above is preset to Charleston.
What credit score do I need for an FHA loan in West Virginia?+
FHA technically allows 500 FICO with 10% down or 580 FICO with 3.5% down. Most lenders impose a 580 overlay at 3.5% down. Some wholesale lenders go below this; the pricer shows live rates for your FICO bracket.
How much down do I need for an FHA loan in Charleston?+
3.5% with 580+ FICO. On a $350,000 home that's $12,250 down. West Virginia has down payment assistance programs that can cover some or all of this - see the DPA page.
Does FHA work in West Virginia for condos?+
Yes if the condo project is on the FHA-approved list. Project approval is a separate process; if your target project is not approved, an FHA-approved alternative project in Charleston may be available. Single-family detached is always eligible.
Are FHA loan rates different in West Virginia vs other states?+
No. FHA loan rates are uniform nationally - lenders do not adjust pricing by state. What varies is property taxes, insurance, and DPA - which affect total payment but not interest rate.
Is the $2,000 Best Price Guarantee available on West Virginia FHA loans?+
Yes. The Loan Factory $2,000 Best Price Guarantee covers qualifying fixed-rate FHA loans of $200,000+ in West Virginia. Program rules apply.
Apply for a West Virginia FHA loan
3.5% down, $0 origination, $2,000 Best Price Guarantee on qualifying loans.
Start my applicationWest Virginia VA rates
0% down for veterans
West Virginia DPA programs
Cover the 3.5% down payment
FHA streamline refi
No appraisal refinance