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Get Matched Free →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.
Top Homebuyer Programs in Clarksburg
| 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| 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 → |
| 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 | Up to $8,000 in down payment and closing cost assistance via the Low Down Home Loan; 30-year fixed-rate mortgage | 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- 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
- 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:
- Up to $8,000 in down payment and closing cost assistance via the Low Down Home Loan; 30-year fixed-rate mortgage
- 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.