West Virginia Down Payment Assistance
West Virginia Down Payment Assistance Programs
A guide to current down payment assistance options in West Virginia, including the state Housing Finance Agency, well-known city and county programs, and live DPA mortgage pricing for West Virginia homebuyers.
West Virginia Housing Finance Agency
West Virginia Housing Development Fund (WVHDF)
www.wvhdf.com800-933-8511
WVHDF administers the primary DPA programs for West Virginia. Program details below are current as of October 17, 2026 - confirm current terms directly with WVHDF before applying.
Statewide DPA Programs in West Virginia
Homeownership Program
WVHDF
30-year fixed-rate first mortgage financing up to 100% of the purchase price, generally WVHDF's lowest rate; eligible to pair with the Low Down Home Loan DPA.
Paired with: FHA, VA, USDA, Conventional
- First-time homebuyer: Required
- Primary residence only
- Income: Gross income and sales price must not exceed the limits for the county of purchase.
- Homebuyer education required
First-time homebuyer defined as no ownership interest in a primary residence in the last three years; waived in targeted counties. Lot size five acres or smaller. Homebuyer education required on conventional loans; FHA, VA, and USDA follow agency rules. No cosigners.
Source: www.wvhdf.com
Movin' Up Program
WVHDF
30-year fixed-rate first mortgage for moderate-income first-time or repeat buyers.
Paired with: FHA, VA, USDA, Conventional
- First-time homebuyer: Not required
- Primary residence only
- Income: Statewide borrower income limit of $171,120.
- Homebuyer education required
Maximum sales price of $350,000 regardless of county; no acreage limit. New and existing (post-1976) doublewide manufactured homes are eligible. As of September 30, 2026, WVHDF down payment assistance is not available with Movin' Up. Movin' Up Special offers a reduced rate and lower-cost PMI for borrowers at or below 80% AMI for their census tract.
Source: www.wvhdf.com
Low Down Home Loan (Homeownership DPA)
WVHDF
Up to $12,000 as a 15-year fixed-rate second mortgage at 2% interest for down payment and/or closing costs when the first-mortgage LTV is at or above 80%.
Paired with: FHA, VA, USDA, Conventional
- Primary residence only
- Homebuyer education required
Only available with a WVHDF Homeownership Program first mortgage (not eligible with Movin' Up as of September 30, 2026). Amortizing second mortgage; not a grant or forgivable loan. Must be paid off at refinance.
Source: www.wvhdf.com
West Virginia Notes for Homebuyers
- West Virginia uses deeds of trust with non-judicial foreclosure.
- WVHDF DPA products are repayable second mortgages; the Fund does not currently offer grant or forgivable DPA.
2026 Loan Limits in West Virginia
Conforming (Conventional)
$832,750 baseline
FHA
$541,287
Standard FHA limit, applies to most West Virginia counties.
Live DPA Pricing for West Virginia
Pricing below is sourced live from hundreds of wholesale lenders for a West Virginia scenario. Edit the inputs to match your situation.
FHA Down Payment Assistance
Up to 5% assistance; repayable second at first rate + 2% over 10 years
▸Program details
- ✓Minimum credit score: 580
- ✓Non-traditional credit also possible
- ✓Assistance up to 2.5%, 3.5%, or 5% of the lesser of purchase price or appraised value
- ✓Assistance can be used for down payment, closing costs, or both
- ✓Second lien: 10-year fixed, repayable
- ✓Second lien rate is 2% higher than the first mortgage rate
- ✓No first-time homebuyer requirement
- ✓No income cap
- ✓Purchase of primary residence only
- ✓Eligible properties: 1-unit residences, PUD, 2-4 units, FHA-approved condos, manufactured (single/double-wide)
- ✓DTI per AUS and FHA manual underwriting guidelines
- ✓First lien: FHA 30-year fixed
Assistance amount
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