FHA Loans in West Virginia
FHA loans are one of the most popular mortgage programs in West Virginia for first-time homebuyers and those with less-than-perfect credit. With a minimum 3.5% down payment and flexible qualifying criteria, FHA loans open the door to homeownership for thousands of West Virginia families every year.
Get FHA Pre-Approval in West Virginia
Your Loan Officer will contact you within 24 hours to discuss your fha loans options in West Virginia.
Benefits of FHA Loans in West Virginia
- 3.5% minimum down payment (with 580+ credit score)
- Credit scores as low as 500 accepted (10% down required)
- Competitive interest rates
- Seller concessions up to 6%
- Gift funds allowed for down payment
FHA Loans Requirements in West Virginia
- Minimum 580 credit score for 3.5% down
- Debt-to-income ratio typically under 57%
- Property must be primary residence
- FHA-approved lender required
- Mortgage insurance premium (MIP) required
Requirements vary by lender. Contact Your for your specific situation in West Virginia.
FHA Loans FAQs — West Virginia
What is the minimum credit score for an FHA loan in West Virginia?
The FHA requires a minimum 580 credit score for the 3.5% down payment option. Borrowers with scores between 500–579 can still qualify with a 10% down payment. Lenders in West Virginia may have their own overlay requirements.
How much is the FHA mortgage insurance in West Virginia?
FHA loans require an upfront MIP of 1.75% of the loan amount, plus an annual MIP that ranges from 0.15% to 0.75% depending on your loan amount and term. For most West Virginia buyers with a 30-year loan, the annual MIP is 0.55%.
Can I use gift funds for my FHA down payment in West Virginia?
Yes! FHA loans allow 100% of the down payment to come from gift funds from an acceptable donor such as a family member. This makes FHA loans especially attractive for West Virginia first-time homebuyers.
What are the FHA loan limits in West Virginia?
FHA loan limits vary by county in West Virginia. For most West Virginia counties, the 2024 FHA loan limit for a single-family home is $498,257 (the national baseline), though high-cost areas can go significantly higher. Contact your loan officer for the exact limit in your West Virginia county.
FHA Loans Available in All 50 States
Your Loan Officer is licensed to help borrowers across the country. Select your state:
About Your Loan Officer
Your Loan Officer is a licensed mortgage loan officer with experience helping borrowers across the country secure the right loan program. Specializing in fha loans and known for fast closings and clear communication.
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