Down payment assistance · West Virginia

Buying a home in West Virginia

24 programs: 6 statewide, the rest run by counties and 5 cities. What you can use depends on where the home is.24 programs across West Virginia: 6 statewide, the rest run by counties and 5 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Wood	2	$158,500	$74,100	See Wood
Berkeley	1	$266,300	$96,400	See Berkeley
Kanawha	1	$147,300	$80,800	See Kanawha
Marshall	1	$149,800	$78,900	See Marshall
All 55 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in West Virginia

6 statewide programs

Up to $100,000

CommunityWorks Home Purchase Loan

First mortgage · Income limits

See details

Up to $30,000

CommunityWorks Down Payment Assistance Loan

Repayable second loan · Income limits

See details

Up to $12,000

Low Down Home Loan

Repayable second loan · Forgiven over 5 yrs · Income limits · Veterans

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

8 HUD-approved counseling agencies in West Virginia8 HUD-approved housing counseling agencies in West Virginia

All 6 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.All 6 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in West VirginiaArea median income for all 55 counties, and the limit each program sets.See the limits

West Virginia questions

What is CommunityWorks Home Purchase Loan?

CommunityWorks Home Purchase Loan, a first mortgage (income limits), open anywhere in West Virginia and run by CommunityWorks in West Virginia, Inc. (CWWV). Its page has the details and a link to the official site.

Which West Virginia counties run their own programs?

7 counties of 55 have a county or city program listed, among them Wood, Berkeley, Kanawha and Marshall. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in West Virginia?

Many programs ask for one. 6 of the 6 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a West Virginia condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.

5 West Virginia cities with their own program