First mortgage
CommunityWorks Home Purchase Loan
Income limits · Single Family
Down payment assistance · Kanawha County
Buying a home in Charleston, WV
6 Charleston programs and 4 statewide.Charleston has 6 programs of its own, and 4 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Charleston addresses
Charleston’s own programs
Repayable second loan
CommunityWorks Down Payment Assistance Loan
Income limits · Single Family
Forgivable loan
Down Payment Assistance - 10 Years
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays.
Forgivable loan
Down Payment Assistance - 7 Years
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays.
First mortgage
Habitat for Humanity of Kanawha & Putnam Homeownership Program
New construction · Income limits · Single Family
Forgivable loan
HOME Blend Program
First-time homebuyers · Income limits · Single-family detached, condominium, townhouse, PUD. Per first-mortgage overlays.
The Charleston marketThe Charleston housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Charleston
- 67% single-familysingle-family
- 2.8% townhousetownhouse
- 12.3% 2–4 units2–4 units
- 16.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.1% mobile & othermobile home & other
Condos count. 3 of Charleston’s 6 local and county programs accept condos.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Charleston’s homes were built
pre-19401970s2020+
79.3%
of Charleston homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$80,800
County area median income, 4 people (HUD)HUD area median income, Kanawha County, 4-person household (2026)
$65,812
Charleston median household incomeMedian household income in Charleston (Census, 2024)
9 of the 72 programs here set their income limit as a share of Kanawha County’s area median income, adjusted for household size. See the published limits for Kanawha County
Free help nearbyFree help near Charleston
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across West Virginia and nationwide
66 statewide & federal programs4 statewide programs, plus federal options
Charleston questions
Does Charleston have its own down payment program?
Yes, 6: CommunityWorks Home Purchase Loan, CommunityWorks Down Payment Assistance Loan, Down Payment Assistance - 10 Years, Down Payment Assistance - 7 Years, Habitat for Humanity of Kanawha & Putnam Homeownership Program and HOME Blend Program. Each is for homes inside Charleston.
Can I use assistance on a condo in Charleston?
3 of Charleston’s 6 local and county programs accept condos. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Kanawha County?
Each program sets its own. 9 of the programs here set theirs as a share of HUD’s area median income for Kanawha County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Charleston?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Charleston. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
25301 · 25302 · 25303 · 25304 · 25305 · 25306 · 25309 · 25311 · 25312 · 25313 · 25314 · 25315 · 25317 · 25320 · 25321 · 25322 · 25323 · 25324 · 25325 · 25326 · 25327 · 25328 · 25329 · 25330 · 25331 · 25332 · 25333 · 25334 · 25335 · 25336 · 25337 · 25338 · 25339 · 25350 · 25356 · 25357 · 25358 · 25360 · 25361 · 25362 · 25364 · 25365 · 25375 · 25387 · 25389 · 25392 · 25396
Nearby in Kanawha
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.