West Virginia offers 15 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 1 grant program that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $27,000 through the most generous program. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in West Virginia
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Charleston Home Blend Program
verifyCity of Charleston Mayor's Office of Economic and Community Development (MOECD)
UP TO $25,000 toward down payment + $2,000 toward closing costs (UP TO $27,000 total)
CHWHC Homebuyer Assistance Program
openCabell-Huntington-Wayne Housing Consortium
25 (max $25,000)
Martinsburg / Eastern Panhandle HOME Consortium HAP
verifyCity of Martinsburg Community Development (lead of Eastern Panhandle HOME Consortium)
UP TO $24,500 (verify with city for current figure)
Eastern Panhandle HOME Consortium of West Virginia Homebuyer Assistance Program (HAP)
openEastern Panhandle HOME Consortium of West Virginia
$24,500
Down Payment Assistance
openConfederated Tribes of Grand Ronde - Housing
20 (max $20,000)
Grant Programs (1)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Forgivable Loans (5)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
Charleston Home Blend Program
City of Charleston Mayor's Office of Economic and Community Development (MOECD)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- single-family, townhome
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Very low to moderate income (HUD income limits apply)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
10-year, 0% interest loan forgiven monthly over term. Remaining balance due if property sold or occupant moves before 10 years.
Additional Requirements
Must complete HUD-required homebuyer education classes. HOME-funded via Charleston/Kanawha County Consortium
Notes
Must not have had ownership in principal residence during 3-year period ending on date of purchase (includes spouse). Occupancy requirement: Must occupy for full 10-year loan term
Martinsburg / Eastern Panhandle HOME Consortium HAP
City of Martinsburg Community Development (lead of Eastern Panhandle HOME Consortium)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred, 0% interest loan. Forgiven if buyer remains in home as primary residence for 5 years.
Additional Requirements
Must prequalify for a mortgage. Must invest minimum $500 toward purchase. Homebuyer education course required. HOME-funded
Notes
First-time homebuyer required. Occupancy requirement: Primary residence for 5-year loan period
Cabell-Huntington-Wayne HOME Consortium Homebuyer Assistance
City of Huntington Planning & Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
Likely forgivable after 5-10 years. Contact city for exact terms.
Additional Requirements
Must complete homebuyer education course. HOME-funded. Limited details available online. contact program directly
Notes
First-time homebuyer, low to moderate income. Occupancy requirement: Primary residence
Parkersburg & Wood County Down Payment Assistance
City of Parkersburg
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Repayment Terms
Forgiven if buyer remains in home for 5 years.
Notes
First-time homebuyers. Occupancy requirement: Primary residence
Northern Panhandle HOME Consortium First Time Homebuyer Program
City of Wheeling (lead agency for Northern Panhandle HOME Consortium)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must not exceed HUD income limits. Examp...
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Must not exceed HUD income limits. Example: 1-person $45,150; 4-person $64,500 (2024 figures)
Check AMI limits for your county →Repayment Terms
Deferred, interest-free loan. After 5 years of owner-occupancy, becomes a grant (fully forgiven).
Additional Requirements
HOME-funded (~$500,000 annual allocation shared among 6 jurisdictions)
Notes
Must never have owned a home before (stricter than 3-year standard). Occupancy requirement: Primary residence for at least 5 years
Deferred Payment Loans (7)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
CHWHC Homebuyer Assistance Program
Cabell-Huntington-Wayne Housing Consortium
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $251,000
Quick Facts
- Loan Types
- USDA-RD
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Eastern Panhandle HOME Consortium of West Virginia Homebuyer Assistance Program (HAP)
Eastern Panhandle HOME Consortium of West Virginia
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $367,640
Quick Facts
- Loan Types
- HUD, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment Assistance - 10 Years
Homeownership Center, Inc
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Homebuyer Assistance Program
City of Martinsburg
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $290,909
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Down Payment Assistance - 7 Years
Homeownership Center, Inc
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
Second Mortgages (2)
These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.
WVHDF Homeownership Program (with Low Down Home Loan)
West Virginia Housing Development Fund (WVHDF)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- County-specific income limits (updated 1...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
2%
Repayment Terms
Low Down Home Loan: 15-year second mortgage at 2% interest rate. Not forgivable. must be repaid.
Additional Requirements
Must obtain first mortgage through WVHDF Participating Lender. 30-year fixed-rate financing up to 100% of purchase price. Homebuyer education required for conventional loans
Notes
Must not have owned a home in last 3 years. Exception: targeted counties and eligible veterans (no first-time requirement).. Occupancy requirement: Primary residence
WVHDF Movin' Up Program (with Low Down Home Loan)
West Virginia Housing Development Fund (WVHDF)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- $171,120 statewide (regardless of househ...
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured, PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Conventional
- Assistance Type
- second mortgage
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
$171,120 statewide (regardless of household size or county)
Check AMI limits for your county →Repayment Terms
15-year second mortgage at favorable rate. Not forgivable.
Additional Requirements
Homebuyer education required for conventional loans. Movin' Up Special sub-program for borrowers at/below 80% AMI (reduced rate, lower PMI)
Notes
No first-time homebuyer requirement. open to repeat buyers. Occupancy requirement: Primary residence
How to Apply for Down Payment Assistance in West Virginia
-
1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
-
2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
-
3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
-
4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
-
5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in West Virginia?
Up to $27,000 through available programs in West Virginia. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 5 programs in West Virginia are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
Requirements vary by program. Most require a credit score of at least 620-660.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
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