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FHA single-family mortgages in WEST VIRGINIA can have down payments as little as 3.5%. In some cases, FHA insurance allows homebuyers to finance approximately 96.5% of the value of their home purchased with their FHA mortgage.
West Virginia First Time Home Buyer Loan. When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.