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First-Time Homebuyer Programs in West Virginia

The West Virginia Housing Development Fund (WVHDF) offers two primary mortgage programs for homebuyers: the Homeownership Program for first-time buyers with up to $10,000 in down payment assistance, and the Movin' Up Program for repeat buyers with up to $8,000 in assistance. Both programs feature 30-year fixed-rate loans and can be paired with the Low Down Home Loan for additional closing cost help.

State housing agency:West Virginia Housing Development Fundhttps://www.wvhdf.com

Statewide Programs in West Virginia

  • WVHDF Homeownership Program

    Repayable Loan · Up to $10,000 in down payment and closing cost assistance via the Low Down Home Loan; 30-year fixed-rate mortgage financing up to 100% of purchase price

  • WVHDF Movin' Up Program

    Repayable Loan · No down payment assistance (Low Down Home Loan removed 9/30/2026); 30-year fixed-rate first mortgage at 7.750% (Movin' Up Special 7.625%) for homes up to $350,000

Federal programs available in West Virginia: FHA Loans, Good Neighbor Next Door (HUD), Home Possible Mortgage (Freddie Mac), HomeReady Mortgage (Fannie Mae), HUD $100 Down Program, USDA Rural Development Loans, VA Loans.

Cities in West Virginia

Beckley

Raleigh County

Pop. 16,000Median $155,000

Charleston

Kanawha County

Pop. 46,000Median $165,000

Clarksburg

Harrison County

Pop. 15,000Median $130,000

Fairmont

Marion County

Pop. 18,000Median $180,000

Huntington

Cabell County

Pop. 46,000Median $155,000

Martinsburg

Berkeley County

Pop. 19,000Median $260,000

Morgantown

Monongalia County

Pop. 30,000Median $235,000

Parkersburg

Wood County

Pop. 29,000Median $150,000

Weirton

Hancock County

Pop. 18,000Median $150,000

Wheeling

Ohio County

Pop. 27,000Median $148,000