See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 31, 2026
Homebuyer Programs in Beckley, WV (2026)
Beckley is the county seat of Raleigh County in southern West Virginia, often called the Gateway to Southern West Virginia and situated along Interstate 64 between Charleston and the New River Gorge. With a median home price around $155,000, Beckley is one of the most affordable housing markets in the state. While Beckley does not currently offer a city-funded down payment assistance program, buyers here can take advantage of the WVHDF Homeownership Program with up to $10,000 in state-level assistance through the Low Down Home Loan. The Fuller Center for Housing of Beckley also provides affordable homeownership opportunities for low-income families in Raleigh and Fayette counties. By combining state and federal programs like FHA, VA, or USDA loans, Beckley buyers can significantly reduce their out-of-pocket costs at closing.
State Programs in West Virginia
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 | Yes | View → |
| 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 | No | View → |
- Type:
- Repayable Loan
- Amount:
- 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
- First-time only:
- Yes
- Type:
- Repayable Loan
- Amount:
- 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
- First-time only:
- No
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Fuller Center for Housing of Beckley Homeownership Program | Zero-Interest Loan | Affordable home purchase through partnership with Fuller Center (terms vary by project) | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase through partnership with Fuller Center (terms vary by project)
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The WVHDF Homeownership Program requires first-time buyer status for Raleigh County, meaning you have not owned a home in the past three years. Income and purchase price limits vary by program and county.
Step 2: Complete homebuyer education. Homebuyer education or counseling is required for WVHDF programs on conventionally insured or uninsured loans. Contact the City of Beckley Office of Housing and Community Development at 304-256-1759 for referrals to local HUD-approved counseling agencies, or call 800-569-4287 to find a HUD-approved housing counselor near you.
Step 3: Get pre-approved for a mortgage. Contact a WVHDF participating lender at 800-933-8511 to explore the Homeownership Program, which offers 30-year fixed-rate mortgages financing up to 100% of the purchase price with up to $10,000 in down payment assistance through the Low Down Home Loan.
Step 4: Explore nonprofit options. Contact the Fuller Center for Housing of Beckley at 304-253-2045 if you are a low-income family in need of affordable housing. They build new homes and provide repairs in Raleigh and Fayette counties.
Step 5: Find a home within program guidelines. Work with a local real estate agent to find a property in Beckley or Raleigh County. USDA loans are available in many parts of the area with zero down payment required.
Step 6: Submit your applications. Your WVHDF participating lender will help coordinate applications for all eligible state and federal programs. Allow several weeks for processing and approval.
Frequently Asked Questions
How much down payment assistance can I get in Beckley?+−
Do I have to be a first-time homebuyer to qualify?+−
Is Beckley eligible for USDA loans?+−
What homebuyer education is required?+−
Does the Fuller Center for Housing build homes in Beckley?+−
Free eligibility check
Buying a home in Beckley? 10 programs could help.
How soon are you looking to buy?