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West Virginia Down Payment and Homeownership Assistance

Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.


West Virginia Housing Development Fund – affordable mortgage financing for individuals and families of most incomes.
Community contacts – find out if your community offers homeownership assistance.
West Virginia Affiliates of Habitat for Humanity – work with other volunteers to build or renovate a home for yourself and your family.

Regional and Local Resources

Stop Abusive Family Environments
Southern Appalachian Labor School