See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 31, 2026
Homebuyer Programs in Clarksburg, WV (2026)
Clarksburg is the county seat of Harrison County in north-central West Virginia, located along Interstate 79 between Fairmont and Weston. With a median home price around $130,000, Clarksburg is one of the most affordable housing markets in the state. While Clarksburg does not currently offer a city-funded down payment assistance program, buyers here benefit from the WVHDF Homeownership Program with up to $10,000 in state-level assistance through the Low Down Home Loan. CommunityWorks in West Virginia, a certified CDFI, also provides home purchase and down payment assistance loans for families below 80% of the Area Median Income. Habitat for Humanity of Harrison County offers affordable homeownership for qualifying low-income families. By combining state and federal programs like FHA, VA, or USDA loans, Clarksburg buyers can significantly reduce their out-of-pocket costs.
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 |
|---|---|---|---|---|
| CommunityWorks in WV Home Purchase and Down Payment Assistance | Deferred Loan | Home purchase loans and down payment assistance loans for qualifying families (contact for current amounts) | No | View → |
| Habitat for Humanity of Harrison County Homeownership Program | Zero-Interest Loan | Affordable home purchase with below-market mortgage and sweat equity partnership | No | View → |
- Type:
- Deferred Loan
- Amount:
- Home purchase loans and down payment assistance loans for qualifying families (contact for current amounts)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with below-market mortgage and sweat equity partnership
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The WVHDF Homeownership Program requires first-time buyer status for Harrison 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. CommunityWorks in West Virginia offers HUD-approved housing counseling and homebuyer education statewide through their Home Ownership Center. A $100 course fee applies. The Clarksburg-Harrison Regional Housing Authority at 304-623-3322 can also provide referrals to local counseling resources.
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. Fairmont Federal Credit Union also serves the Clarksburg area with competitive mortgage options.
Step 4: Explore CDFI and nonprofit options. Contact CommunityWorks in West Virginia about their home purchase and down payment assistance loans for families below 80% AMI. For affordable homeownership through a partnership model, contact Habitat for Humanity of Harrison County at (304) 622-5046.
Step 5: Find a home within program guidelines. Work with a local real estate agent to find a property in Clarksburg or Harrison County. USDA loans are available in many parts of the area with zero down payment required.
Step 6: Submit your applications. Your lender and housing counselor will help coordinate applications for all eligible programs. Allow several weeks for processing and approval.
Frequently Asked Questions
How much down payment assistance can I get in Clarksburg?+−
Do I have to be a first-time homebuyer to qualify?+−
Is Clarksburg eligible for USDA loans?+−
What homebuyer education is required?+−
What is CommunityWorks in West Virginia?+−
Does Habitat for Humanity build homes in Clarksburg?+−
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