West Virginia first-time home buyer programs
West Virginia Housing Development Fund lists 1 program that help buyers in West Virginia with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 1
- Biggest amount listed
- $12,000
- First-time buyers only
- Every program
- Income caps
- Set per program
Down payment assistance programs in West Virginia
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| Low Down Home Loan. With a first mortgage through the WVHDF's Homeownership Program. | Up to $12,000 | Repayable loan: 15-year fixed-rate loan at 2%; must be paid off if you refinance. | Your income before taxes must be within the limit for the county where you buy. | Yes, with exceptions |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a West Virginia Housing Development Fund page that says whether applications are open right now. Compare down payment assistance programs across all states, or ask a lender that works with West Virginia's programs.
How do you repay West Virginia's programs?
- Repayable loan: a small second mortgage you pay back monthly, usually along with your first mortgage payment.
How does your income compare with West Virginia's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Morgantown | $103,000 | $82,400 |
| Huntington-Ashland | $83,300 | $66,650 |
| Charleston | $80,800 | $64,650 |
| Weirton-Steubenville | $80,600 | $70,150 |
| Wheeling | $78,900 | $63,100 |
HUD uses about 80% of the median as a starting point. Its own caps can hold that number down, including a yearly cap on increases, so the low-income limit is under 80% in a few areas.
Talk to a lender that works with West Virginia programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with West Virginia's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Kentucky, Maryland, Ohio, Pennsylvania, Virginia or programs for all 50 states plus DC.