West Virginia FHA Loans at a Glance: just 3.5% down · FICO from 580 · statewide $541,287, Jefferson County $1,249,125 · pairs with WVHDF DPA · NMLS #1826020
West Virginia FHA Home Loans · Direct Lender Since 1998

FHA Loans West Virginia

Buy a West Virginia home with as little as 3.5% down and a credit score from 580. In one of the most affordable states in the country – with a DC-commuter outlier in the Eastern Panhandle – FHA makes ownership easy, and it pairs with WV Housing Development Fund down-payment help.

  • 3.5% down with a 580+ FICO (10% down from 500-579)
  • Pair WVHDF Low Down Home Loan – $5,000-$8,000 in help
  • Statewide $541,287; DC-commuter Jefferson County reaches $1,249,125
  • Among the lowest home prices in the nation
  • Gift funds welcome; seller can pay up to 6% of closing costs

Start My West Virginia FHA Application →

Get Pre-Approved for a West Virginia FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

★ 3.5% down★ 580 credit OK★ WVHDF DPA★ Most affordable★ First-time friendly★ Serving WV since 1998

Why an FHA loan works in West Virginia

An FHA loan is a government-insured mortgage that helps West Virginia buyers qualify with flexible credit, a low down payment and higher debt-to-income than conventional financing. With some of the lowest prices in the country, 3.5% down goes a very long way.

West Virginia pairs statewide affordability with a high-cost outlier in the DC-commuter Eastern Panhandle. Whether you are buying your first home in Morgantown or a place in Charles Town near the Virginia line, an FHA loan stacked with WVHDF help gets you to closing with little cash down. Start your application →

What it takes to qualify for a West Virginia FHA loan

Down paymentAs little as 3.5% down if your score is 580 or higher; 10% down applies from 500-579
CreditA 580 minimum for the low-down program, and hands-on help for buyers still rebuilding
MIP (mortgage insurance)A one-time 1.75% upfront premium rolled into the loan, plus a small monthly premium (about 0.15%-0.55%)
DTI flexibilityRoom up to roughly 43%-50% of income when you have compensating factors or automated approval
Where the down payment can come fromSavings, a family gift, or an eligible down-payment-assistance program
Help from the sellerSellers may cover up to 6% of your closing costs on an FHA purchase
Eligible propertiesA West Virginia single-family home, an FHA-approved condo or townhome, or a 2-4 unit you occupy
How you use itIt must be your primary residence – the home you live in
Adding a co-borrowerA non-occupant co-borrower such as a parent can be added to help you qualify

West Virginia down payment assistance you can pair with FHA

Your FHA loan pairs with the West Virginia Housing Development Fund (WVHDF), which offers a low-rate first mortgage plus down-payment help:

Low Down Home Loan

A second-mortgage down-payment loan of $5,000 (over 90% LTV) or $8,000 (under 90% LTV), repayable over 15 years, paired with a WVHDF first mortgage.

Homeownership Program

A low-rate 30-year fixed first mortgage (FHA/VA/USDA/conventional) for first-time and lower-income buyers.

Movin’ Up

A moderate-income program open to repeat buyers with no first-time requirement.

Who qualifies

Income limits by program and county, plus a homebuyer education course.

Gift funds & seller credits

Combine gift funds and up to 6% in seller credits with FHA and WVHDF help to cut cash to close.

We match the program

We line up the WVHDF loan and assistance that fit your county and income.

Ask about WVHDF help – $5,000-$8,000 toward your down payment.
See If You Qualify

Assistance programs have income, price and funding limits, are first-come while funds last, and are subject to change and eligibility. We confirm what you qualify for.

Ready to see how much home you can buy in West Virginia with 3.5% down? Get pre-approved today.
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2026 West Virginia FHA loan limits by county

FHA loan limits are set by county. West Virginia is nearly all floor, with one dramatic exception in the Eastern Panhandle:

Standard WV counties (1-unit)$541,287 – 54 counties, including Berkeley/Martinsburg, Kanawha/Charleston, Monongalia/Morgantown, Cabell/Huntington and Putnam
Jefferson County – Eastern Panhandle (1-unit)$1,249,125 – the national ceiling (part of the DC metro)
2-unit properties (floor)$693,050
3-4 unit properties (floor)$837,700 (3-unit) and $1,041,125 (4-unit)

2026 one-unit FHA limits set annually by HUD; 2-4 unit limits are higher. We confirm the exact limit for your West Virginia county before you write an offer.

First-time buyer, family, or 55+ mover – we have a West Virginia FHA program for you.
Start My Application
Buy a West Virginia home with an FHA loan - apply nowYour West Virginia home is closer than you think →

Why buyers choose FHA in West Virginia

  • Put down just 3.5% and keep your savings intact
  • Qualify from a 580 score with practical, human underwriting
  • Cover the down payment with gifts or WVHDF help
  • Finance a house, condo or an owner-occupied 2-4 unit
  • Lower your rate down the road with an FHA Streamline

Get My FHA Pre-Approval →

West Virginia FHA payment & affordability calculators

Estimate your West Virginia FHA payment, cash to close and price range below. These tools are for planning only; apply to get your real numbers.

1. FHA monthly payment

Estimate your full monthly payment including FHA mortgage insurance.

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Total monthly payment
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Principal, interest & MIP

2. Down payment & cash to close

See your down payment and estimated cash after seller credits.

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Estimated cash to close
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Down payment amount

3. How much home can I afford?

Estimate your FHA price range from income and monthly debts.

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Estimated home price
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Max housing payment

4. FHA loan amount + MIP

See your base loan plus the 1.75% upfront MIP financed in.

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Total financed (with UFMIP)
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Base loan / 1.75% UFMIP

Estimates only and not a commitment to lend. FHA charges 1.75% upfront MIP (financed) plus a monthly annual premium (~0.55% here for illustration). Actual figures depend on your property, credit and qualification.

Stack WVHDF help with FHA - check your eligibility.
See If I Qualify

FHA loans across West Virginia - cities we serve

We have financed FHA purchases and refinances across West Virginia since 1998. Here are some of the markets we serve:

  • Charleston
  • Huntington
  • Morgantown
  • Parkersburg
  • Wheeling
  • Martinsburg
  • Beckley
  • Fairmont
  • Clarksburg
  • Weirton
  • Hurricane
  • Charles Town
  • Ranson
  • Bridgeport
  • South Charleston
  • St. Albans
  • Vienna
  • Buckhannon
  • Elkins
  • Teays Valley

Do not see your city? Start your application → - we lend statewide across West Virginia.

Top West Virginia school districts & family towns

Great schools support both your kids and your resale value. Here are some of the top-rated West Virginia districts and towns:

Monongalia County (Morgantown)

The state's best-regarded schools, anchored by WVU.

Jefferson County (Charles Town, Shepherdstown)

Strong Eastern Panhandle schools in the DC-commuter belt.

Putnam County (Hurricane, Winfield)

Consistently top-rated schools between Charleston and Huntington.

Berkeley County (Martinsburg)

Fast-growing Eastern Panhandle district.

Cabell County (Huntington)

Solid schools anchored by Marshall University.

Ohio County (Wheeling)

Established schools in the Northern Panhandle.

West Virginia 55+ & active-adult communities

An FHA loan can buy a home in a West Virginia 55+ community (any condo must be FHA-approved). Some of the most popular:

The Woods Resort (Hedgesville)

Golf and resort community popular with retirees and second-home buyers.

Active-adult neighborhoods (Charles Town/Martinsburg)

55+ options in the DC-commuter belt.

Patio-home communities (Morgantown)

Low-maintenance homes near WVU amenities.

Villas communities (Charleston/Putnam)

Maintenance-provided neighborhoods for downsizers.

Active-adult sections (Huntington)

55+ homes on the city's growing edges.

Condominium communities (Eastern Panhandle)

FHA-approved 55+ condos with low upkeep.

Ready to buy in West Virginia? Start here

From a first condo to a move-up house in a top West Virginia school zone or a 55+ community, we pair you with the right FHA program and a same-week pre-approval - 3.5% down.

  • Pre-approval in days, not weeks
  • Stack West Virginia assistance and family gift funds
  • A direct FHA lender serving buyers since 1998

Apply for My West Virginia FHA Loan →

Apply for your West Virginia FHA home loanGet pre-approved with 3.5% down →

FHA loan programs available in West Virginia

Buy with FHA

Purchase a West Virginia house, condo or owner-occupied 2-4 unit for as little as 3.5% down.

Streamline refinance

Trim your rate or payment on an existing FHA loan with light docs and usually no appraisal.

203(k) rehab loan

Finance the purchase and the renovations of a fixer-upper in a single FHA loan.

Cash-out refinance

Pull West Virginia equity out, up to FHA limits, for improvements or other needs.

Condo financing

FHA loans for units in approved West Virginia condo projects, or single-unit spot approval.

Stack down-payment help

Layer West Virginia assistance and gift funds on your FHA loan to lower your cash to close.

West Virginia 2027 housing & FHA outlook

A few West Virginia trends worth watching as you plan a 2027 purchase:

The Eastern Panhandle outlier

Jefferson and Berkeley counties keep outpacing the state on DC-metro spillover and remote work.

Morgantown holds steady

WVU anchors durable demand that is insulated from statewide population trends.

Lowest prices in the region

Statewide affordability keeps FHA broadly usable at the floor into 2027.

Remote-worker incentives

Programs like Ascend WV continue to support select micro-markets.

Outlook only, not a guarantee or financial advice. Market conditions change; we give you current, personalized numbers when you apply.

Your West Virginia FHA loan, step by step

Start your pre-approval

A few minutes online tells you your price range, rate and 3.5%-down payment.

Shop with an edge

Make offers in the West Virginia town and school zone you want, backed by a real pre-approval.

Appraisal & approval

We manage the FHA appraisal and underwriting, staying flexible on credit and gift funds.

Get your keys

Close on your West Virginia home and start building equity from day one.

Frequently asked West Virginia FHA questions

What are the 2026 FHA loan limits in West Virginia?

Fifty-four West Virginia counties are at the $541,287 floor, including Morgantown, Charleston, Huntington and Martinsburg. The one exception is Jefferson County in the Eastern Panhandle, which is part of the DC metro and reaches the national ceiling of $1,249,125.

How does WVHDF down-payment help work with FHA?

The WV Housing Development Fund's Low Down Home Loan provides $5,000 (over 90% LTV) or $8,000 (under 90% LTV) as a repayable 15-year second mortgage, paired with a WVHDF first mortgage. Income limits and a homebuyer class apply.

What is the minimum down payment on a West Virginia FHA loan?

3.5% of the price when your score is 580+, or 10% between 500 and 579. Gift funds and approved down-payment assistance can cover much of it.

Do FHA condos have to be approved in West Virginia?

Yes - the condo project needs to be FHA-approved, though we can pursue single-unit spot approval on many buildings. We verify your specific property.

Is FHA good for a first-time buyer in West Virginia?

It is often the best fit - low 3.5% down, a 580 credit floor, gift funds allowed, and it stacks with WV Housing Development Fund assistance for even less cash to close.

Are you an actual FHA lender?

Yes - CambridgeHomeLoan.com is a direct lender (NMLS #1826020) that has served homebuyers since 1998, guiding you from application through closing.

Start your West Virginia FHA loan

A few minutes online gets you pre-approved: 3.5% down, a 580 credit floor, and West Virginia down-payment help welcome. We have served West Virginia homebuyers since 1998.

Get Pre-Approved for a West Virginia FHA Loan

Fast, friendly, no obligation.

Get Your Free Quote! No Credit Pull Required.

Start My Application →

Serving West Virginia homebuyers Since 1998!
© 2026 CambridgeHomeLoan.com  ·  NMLS #1826020  ·  4830 W Kennedy Blvd, Tampa, FL 33609  ·  (800) 826-5077  ·  Equal Housing Lender  ·  NMLS Consumer Access

Rates, terms, FHA loan limits and program guidelines are for 2026, subject to change, and depend on the property, credit and qualification. Not a commitment to lend. This is not a government agency. Equal Housing Lender.


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