Bootcamp For Buyers

First Time Homebuyer Programs in West Virginia

West Virginia offers a variety of programs through the West Virginia Housing Development Fund (WVHDF) to assist first-time homebuyers. These initiatives provide financial assistance, competitive mortgage rates, and valuable resources for new buyers.

Homeownership Program

The Homeownership Program offers affordable fixed-rate mortgages for first-time and low- to moderate-income buyers.

  • Features 30-year fixed-rate loans with competitive interest rates.
  • Income and purchase price limits apply based on location and household size.
  • Available for FHA, VA, USDA, and conventional loans.

Movin' Up Program

The Movin' Up Program supports repeat buyers and those with higher incomes.

  • Provides flexible mortgage options for non-first-time buyers.
  • Includes down payment and closing cost assistance of up to $8,000.
  • No income limits for eligibility.

Down Payment and Closing Cost Assistance

This program provides financial support to help cover upfront homebuying costs.

  • Offers assistance as a forgivable second mortgage with 0% interest.
  • Repayable only upon sale, refinance, or payoff of the home.
  • Must be used with a WVHDF mortgage product.

West Virginia’s first-time homebuyer programs are designed to make homeownership more affordable and attainable. Explore these options to find the right program for your needs and take the first step toward owning your dream home in the Mountain State.