These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.

West Virginia

Hey there! If you're thinking of buying a home for the first time, and haven't saved up for a down payment, you still might be able to get it done.

Before I jump into the programs, let me briefly explain how down payment assistance works.

How it works

Down payment assistance comes in two forms: a grant, or a loan

A grant doesn't require repayment.

A loan does require repayment, but there are 3 different ways:

Monthly repayment. This is where they charge you interest and a monthly payment until the loan is paid off

Silent second. This is where they don't charge you interest, they don't charge you monthly payments, they just require that you pay it back when you sell the home.

Forgivable. This is where they forgive the loan as long as you meet certain criteria. A common requirement is that you live in the home as your primary residence for a set number of years. Once you've completed the timeframe, they forgive your loan and you don't need to pay it.

Approved lenders only

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.

Now that we have that out of the way, let's jump in! Below are the local programs available to help make homeownership more accessible.

West Virginia Housing Development Fund (WVHDF) – Homeownership Program

  • Assistance: Provides affordable fixed-rate mortgages with down payment and closing cost assistance.

  • Terms: Standard mortgage repayment terms.

  • Eligibility: First-time homebuyers and repeat buyers purchasing in targeted areas; income limits vary by county and household size.

  • More Information: WVHDF Homeownership Program

WVHDF – Movin’ Up Program

  • Assistance: Provides down payment and closing cost assistance for repeat homebuyers.

  • Terms: 0% interest second loan, repayable when the home is sold, refinanced, or paid off.

  • Eligibility: Moderate-income homebuyers moving into a new home; income limits based on county and family size.

  • More Information: WVHDF Movin' Up Program

Martinsburg and Eastern Panhandle HOME Consortium – Homebuyer Assistance Program

  • Assistance: Offers deferred, no-interest loans for down payment and closing costs.

  • Terms: Loan is forgiven if the buyer remains in the home for the term of the loan.

  • Eligibility: Applicants must meet income limits, prequalify for a mortgage, and invest a minimum of $500 toward the purchase.

  • More Information: Martinsburg Homebuyer Assistance

City of Wheeling – Home Investment Partnership Program

  • Assistance: Provides down payment and closing cost assistance.

  • Eligibility: First-time homebuyers purchasing within Wheeling city limits; must meet income requirements and complete a homebuyer education course.

  • More Information: Wheeling Homebuyer Assistance

Program availability and terms can change, so it's essential to verify the most current information directly with the administering agencies.

These programs can only be handled by approved lenders. If you would like help from a local realtor familiar with the programs and lenders with access, fill out this form here and I will connect you with one.