Check out this Rent vs Buy Calculator...pretty cool stuff!
While there are advantages and disadvantages of buying HUD homes, HUD's government site has some very useful information.
HUD has some excellent links to help first time buyers:
US Dept. of Housing and Urban Development (HUD)
US Dept. of Housing and Urban DevelopmentHUD in West Virginia
HUD in West Virginia: Home Ownership
Commonly asked questions from first time buyers
HUD listings in WV
Local HUD office:
Charleston Field Office
405 Capitol Street
Suite 708
Charleston, WV 25301-1795
PETER MINTER
Field Office Director (304) 347-7000