West Virginia • First-Time Homeowner programs

First-Time Homeowner grants in West Virginia

Browse first-time homeowner grants available in West Virginia, including statewide and local programs.

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5 active programs in West Virginia

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Latest opportunities (5)

Homeownership Program

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West Virginia Housing Development FundWVFirst-Time Homeownerloan

Updated: Dec 2, 2025

Statewide West Virginia mortgage program offering low-interest 30-year fixed-rate loans and optional down payment assistance to make first-time homeownership more affordable for income-eligible buyers.

Eligible for: Primarily first-time homebuyers purchasing an owner-occupied home in West Virginia who meet county income and purchase price limits and, in …

Funding: Thirty year fixed rate first mortgage financing that can cover up to 100 percent of the home purchase price for eligible buyers, with optional Low Down Home Loan assistance up to 8000 dollars for down payment and closing costs.rollingstatewideIndividualMortgage loanInterest rate reductionDown payment assistanceClosing costs

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Homebuyer Assistance Program

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City of Martinsburg – Community Development / Eastern Panhandle HOME Consortium of WVWVFirst-Time Homeownerforgivable loan

Updated: Dec 2, 2025

Local Eastern Panhandle HOME Consortium program administered by Martinsburg that provides a forgivable, zero-interest down payment assistance loan to low- to moderate-income first-time buyers in the region.

Eligible for: First-time homebuyers in Martinsburg, Berkeley, Jefferson or Morgan Counties whose gross household income does not exceed 80% of area median…

Funding: Zero interest deferred loan up to 14500 dollars for down payment, closing costs, principal reduction, and minor repairs, forgiven after five years if all program requirements are met.rollingmulti-countyIndividualDown payment assistanceClosing costsPrincipal reductionMinor repairsForgivable loan

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Planning & Development – Homebuyer Assistance Program

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City of Huntington – Department of Development & Planning / Cabell-Huntington-Wayne Housing ConsortiumWVFirst-Time Homeownerforgivable loan

Updated: Dec 2, 2025

Consortium-run homebuyer assistance program administered through Huntington’s Planning & Development Department that offers substantial 0% interest down payment loans to help low- and moderate-income buyers close the gap on upfront home purchase costs.

Eligible for: First-time or income-eligible homebuyers purchasing an owner-occupied home in the Cabell-Huntington-Wayne Housing Consortium area; must meet…

Funding: Zero percent interest loan for down payment and closing costs providing up to 25 percent of the purchase price not to exceed 25000 dollars, with potential forgiveness of the remaining balance after 10 years of a 15 year term when all conditions are met.rollingmulti-countyIndividualDown payment assistanceClosing costsZero interest loanForgivable loan

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Housing Programs

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City of Parkersburg – Development DepartmentWVFirst-Time Homeownerforgivable loan

Updated: Dec 2, 2025

City of Parkersburg’s housing programs page that bundles the Down Payment Assistance Program with rehabilitation and repair initiatives for low- to moderate-income households in Parkersburg and Wood County.

Eligible for: Income-eligible households within the City of Parkersburg and the Parkersburg/Wood County HOME Consortium area; first-time homebuyers for th…

Funding: Down Payment Assistance Program may provide up to 15000 dollars in HOME funded assistance as a forgivable loan for eligible down payment and closing costs, alongside additional owner occupied rehabilitation and repair programs.rollingmulti-countyIndividualDown payment assistanceClosing costsForgivable loanRehabilitation assistanceHome repair

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Down Payment Assistance Program (DPAP) Guidelines

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City of Parkersburg – Parkersburg/Wood County HOME ConsortiumWVFirst-Time Homeownerforgivable loan

Updated: Dec 2, 2025

Detailed HOME-funded down payment assistance program for Parkersburg/Wood County offering a forgivable loan up to $15,000 to help first-time, low- to moderate-income buyers with down payment and closing costs.

Eligible for: First-time homebuyers purchasing an eligible single-family, owner-occupied home in the City of Parkersburg or Wood County whose income does …

Funding: HOME funded down payment assistance up to 15000 dollars as a forgivable loan, with no more than 2500 dollars applied to closing costs and a five year affordability and forgiveness period for eligible first time buyers.rollingmulti-countyIndividualDown payment assistanceClosing costsForgivable loan

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