See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 31, 2026
Homebuyer Programs in Weirton, WV (2026)
Weirton is a city in the Northern Panhandle of West Virginia, straddling Hancock and Brooke counties along the Ohio River border with Pennsylvania and Ohio. With a median home price around $150,000, Weirton offers some of the most affordable homeownership opportunities in the region. First-time buyers can access up to $10,000 through the Weirton First Time Homebuyer Program, a forgivable loan funded by the Northern Panhandle HOME Consortium. The WVHDF Homeownership Program adds up to $10,000 in additional state-level assistance through the Low Down Home Loan. By combining these local and state programs with federal options like FHA, VA, or USDA loans, Weirton buyers can significantly reduce or eliminate their out-of-pocket costs at closing.
City Programs in Weirton
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Weirton First Time Homebuyer Program (Northern Panhandle HOME Consortium) | Forgivable Loan | Up to $10,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
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
How to Apply
Step 1: Check your eligibility. The Weirton First Time Homebuyer Program requires that you have never owned a home before. Income limits apply based on household size, with a four-person household limited to $64,000 per year. The home you purchase must be your primary residence.
Step 2: Complete homebuyer education. CHANGE, Inc. in Weirton offers free HUD-approved homebuyer education workshops and online courses. Contact them at 304-748-4200 or visit their office at 3158 West Street, Weirton, WV. A certificate of completion is required before you can receive assistance.
Step 3: Contact the City of Weirton. Reach Nicole Jagela at 304-797-8516 or cdbghousing@cityofweirton.com to discuss the First Time Homebuyer Program and begin your application for up to $10,000 in down payment and closing cost assistance.
Step 4: 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 with up to $10,000 in additional down payment assistance through the Low Down Home Loan.
Step 5: Find a home within program guidelines. Work with a local real estate agent to find a property in Weirton, Hancock County, or Brooke County. You must invest at least $500 of your own funds toward the purchase.
Step 6: Submit your applications. Your lender and housing counselor at CHANGE, Inc. will help coordinate applications for all eligible programs. The city's forgivable loan is processed through the Northern Panhandle HOME Consortium. Allow several weeks for processing and approval.
Frequently Asked Questions
How much down payment assistance can I get in Weirton?+−
Do I have to be a first-time homebuyer to qualify?+−
What are the income limits for the Weirton program?+−
What homebuyer education is required?+−
Is the Weirton forgivable loan really forgiven?+−
Can I buy a home in Brooke County and still qualify?+−
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