City of Wheeling First-Time Homebuyer Program

Administered by: City of Wheeling / Northern Panhandle HOME Consortium · City · Forgivable Loan

Funding status: Active

How much assistance

Up to $10,000 (Forgivable Loan)

Forgiven after 5 years of continuous owner-occupancy. If the home is sold or no longer owner-occupied before 5 years, the loan must be repaid on a prorated basis.

Eligibility

  • Income limits: 80% AMI for Ohio County. 1 person: $45,150; 2 person: $51,600; 3 person: $58,050; 4 person: $64,500; 5 person: $69,700; 6 person: $74,850; 7 person: $80,050; 8 person: $85,150.
  • First-time buyer required: Yes — Must have never owned a home.
  • Geographic restrictions: Wheeling city limits
  • Homebuyer education required: Yes

How to Apply for City of Wheeling First-Time Homebuyer Program

Step 1: Contact CHANGE, Inc. at (304) 797-7733 to enroll in the required homebuyer education course.

Step 2: Complete the homebuyer education program through CHANGE, Inc.

Step 3: Contact the City of Wheeling at (304) 234-3701 to request an application for the First-Time Homebuyer Program.

Step 4: Submit your completed application along with required documentation including proof of income, tax returns, and identification.

Step 5: If approved, work with your lender to coordinate the forgivable loan with your primary mortgage at closing.

Visit program website

Notes

0% interest deferred loan for down payment and closing cost assistance. $50 application fee (refundable if not approved). Minimum $500 borrower contribution required. Funded through the Northern Panhandle HOME Consortium.

Cities Where This Program Is Available