Down payment assistance income limits in West Virginia
24 down payment assistance programs in West Virginia publish an income limit, a purchase price cap, or both.
Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.
Area median income by county
HUD's published four-person area median income for each West Virginia county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.
| County | Published | 4-person median |
|---|---|---|
| Barbour | 2026 | $69,400 |
| Berkeley | 2026 | $96,400 |
| Boone | 2026 | $79,900 |
| Braxton | 2026 | $58,100 |
| Brooke | 2026 | $80,600 |
| Cabell | 2026 | $83,300 |
| Calhoun | 2026 | $48,500 |
| Clay | 2026 | $80,800 |
| Doddridge | 2026 | $74,700 |
| Fayette | 2026 | $72,500 |
| Gilmer | 2026 | $63,700 |
| Grant | 2026 | $84,600 |
| Greenbrier | 2026 | $70,600 |
| Hampshire | 2026 | $107,000 |
| Hancock | 2026 | $80,600 |
| Hardy | 2026 | $63,600 |
| Harrison | 2026 | $85,200 |
| Jackson | 2026 | $84,700 |
| Jefferson | 2026 | $128,400 |
| Kanawha | 2026 | $80,800 |
| Lewis | 2026 | $81,600 |
| Lincoln | 2026 | $63,200 |
| Logan | 2026 | $65,600 |
| Marion | 2026 | $89,700 |
| Marshall | 2026 | $78,900 |
| Mason | 2026 | $73,300 |
| Mcdowell | 2026 | $42,100 |
| Mercer | 2026 | $75,900 |
| Mineral | 2026 | $94,900 |
| Mingo | 2026 | $52,500 |
| Monongalia | 2026 | $103,000 |
| Monroe | 2026 | $75,900 |
| Morgan | 2026 | $91,300 |
| Nicholas | 2026 | $81,000 |
| Ohio | 2026 | $78,900 |
| Pendleton | 2026 | $72,500 |
| Pleasants | 2026 | $77,800 |
| Pocahontas | 2026 | $63,000 |
| Preston | 2026 | $103,000 |
| Putnam | 2026 | $106,000 |
| Raleigh | 2026 | $74,200 |
| Randolph | 2026 | $74,400 |
| Ritchie | 2026 | $72,200 |
| Roane | 2026 | $56,900 |
| Summers | 2026 | $69,500 |
| Taylor | 2026 | $71,200 |
| Tucker | 2026 | $78,000 |
| Tyler | 2026 | $89,300 |
| Upshur | 2026 | $72,500 |
| Wayne | 2026 | $83,300 |
| Webster | 2026 | $60,500 |
| Wetzel | 2026 | $79,000 |
| Wirt | 2026 | $74,100 |
| Wood | 2026 | $74,100 |
| Wyoming | 2026 | $59,600 |
Published limits by program
| Program | Income limit | Price cap |
|---|---|---|
| Almost Heaven Habitat for Humanity Homeownership ProgramFranklin · Pendleton | See programPartner families typically within 50%-60% of area median household income for the county; selection based on need, ability to pay, and willingness to partner | — |
| CHWHC Homebuyer Assistance ProgramHuntington · Cabell|Wayne | 80% of area median incomeHousehold income at or below 80% HUD Area Median Income (AMI) for Huntington-Ashland MSA. 2024-25 limits: $36,650 (1p), $41,900 (2p), $47,100 (3p), $52,300 (4p), $56,500 (5p), $60,700 (6p), $64,850 (7p), $69,050 (8p). | $251,000 |
| City of Morgantown Employee Down Payment Assistance Program (Morgantown Homecoming)Morgantown · Monongalia | See programNo income restrictions for the parallel WVU employee tier of the Morgantown Homecoming Program; income terms for the City of Morgantown employee tier are not separately published. | — |
| City of Wheeling First-Time Homebuyer Program (Northern Panhandle HOME Consortium)Wheeling · Ohio | 80% of area median incomeHUD Section 8 income limits effective 6/1/2024 for City of Wheeling/Ohio County/Marshall County: 1-person $45,150 up to 8-person $85,150 | — |
| CommunityWorks Down Payment Assistance LoanCharleston · Kanawha | See programBorrowers must be below 80% of HUD income guidelines for household size; uses HUD HOME income limits | — |
| CommunityWorks Home Purchase LoanCharleston · Kanawha | See programPurchase loans for low- to moderate-income families below 80% of HUD income guidelines | — |
| Down Payment Assistance - 10 YearsCharleston · Kanawha|Putnam|Boone|Clay | $136,050Household income $110,650 (1p) - $136,050 (8p) per HOC's published workforce limits, aligned with WVHDF moderate-income tier for Charleston MSA. | — |
| Down Payment Assistance - 7 YearsCharleston · Kanawha|Putnam|Boone|Clay | $136,050Household income $110,650 (1p) - $136,050 (8p) per HOC's published workforce limits, aligned with WVHDF moderate-income tier for Charleston MSA. | — |
| Down Payment Assistance Program (DPAP)Parkersburg · Wood | 80% of area median incomeHousehold income at or below 80% HUD Area Median Income (AMI) for Parkersburg-Vienna MSA. 2024-25 limits: $37,900 (1p), $43,300 (2p), $48,700 (3p), $54,100 (4p), $58,450 (5p), $62,800 (6p), $67,100 (7p), $71,450 (8p). | $144,400 |
| Habitat for Humanity of Kanawha & Putnam Homeownership ProgramCharleston · Kanawha|Putnam | See programHousehold income must not exceed 60% of the Area Median Income as defined by HUD | — |
| Habitat for Humanity of the Eastern Panhandle Homeownership ProgramMartinsburg · Berkeley|Morgan|Jefferson | See programLow-income range based on HUD annual median family income for the Eastern Panhandle; all or part of income may be public assistance | — |
| Habitat for Humanity of the Tri-State Homeownership ProgramHuntington · Cabell|Wayne | See programHUD-based income guidelines by family size (FY2026 chart published; separate chart for Scioto County, OH). Steady dependable income required. | — |
| HOME Blend ProgramCharleston · Kanawha | 50% of area median incomeHousehold income at or below 50% HUD Area Median Income (AMI) for Charleston MSA. 2024-25 limits: $37,200 (1p), $42,500 (2p), $47,800 (3p), $53,100 (4p). | $144,400 |
| HOME Investment Partnership Program - FTHB ProgramWheeling · Ohio|Marshall|Brooke|Hancock | 80% of area median incomeHousehold income at or below 80% HUD Area Median Income (AMI) for Wheeling, WV-OH MSA. 2024-25 limits: $45,150 (1p), $51,600 (2p), $58,050 (3p), $64,500 (4p), $69,700 (5p), $74,850 (6p), $80,000 (7p), $85,150 (8p). | $144,400 |
| Homebuyer Assistance ProgramMartinsburg · Berkeley | 120% of area median incomeTwo income tiers. Standard 80% AMI: $41,650 (1p) - $78,500 (8p). Workforce 120% AMI: up to $121,650 (8p). 2024-25 HUD limits for Hagerstown-Martinsburg MSA / Berkeley County, WV. | $290,909 |
| Low Down Home LoanStatewide · Statewide | $102,100WVHDF combined household income limits (gross qualifying income, all occupants 18+ contributing). Non-targeted: $57,040 (1-2 person low-cost) - $87,420 (3+ person). Targeted/higher-cost counties: up to $102,100. Verify by county and household size on WVHDF limits PDF. | $350,000 |
| Mon Valley Habitat for Humanity Homeownership ProgramMorgantown · Monongalia|Marion|Preston | See programIncome guidelines based on 50-60% of Area Median Income (HUD) by county. Monongalia County 4-person qualifying range $46,350-$55,620; Marion County 4-person range $36,650-$43,980. Ranges scale by household size 1-8. | — |
| Northern Panhandle HOME Consortium First Time Homebuyer Program (City of Weirton)Weirton · Hancock|Brooke | 80% of area median incomeTotal annual household income must not exceed HUD Section 8 Income Limits for the Weirton/Brooke/Hancock area (~80% AMI). 2024 limits: 1-person $44,800; 2 $51,200; 3 $57,600; 4 $64,000; 5 $69,150; 6 $74,250; 7 $79,400; 8 $84,500. | — |
| Northern Panhandle HOME Consortium First Time Homebuyer Program (Hancock & Brooke Counties)Hancock|Brooke | 80% of area median incomeTotal annual household income must not exceed HUD Section 8 Income Limits for the Weirton/Brooke/Hancock area (~80% AMI). 2024 limits: 1-person $44,800; 2 $51,200; 3 $57,600; 4 $64,000; 5 $69,150; 6 $74,250; 7 $79,400; 8 $84,500. | — |
| Northern Panhandle HOME Consortium First Time Homebuyer Program (Marshall County)Marshall | 80% of area median incomeTotal annual household income must not exceed HUD Section 8 Income Limits for the Wheeling/Ohio/Marshall County area (~80% AMI). Current-year limits must be confirmed; only outdated 2008 figures are posted on the Wheeling site. | — |
| Parkersburg/Wood County HOME Consortium Down Payment Assistance ProgramParkersburg · Wood | 80% of area median incomeHUD Section 8 income limits for Parkersburg MSA; effective 6/15/2022: 1-person $37,900 up to 8-person $71,450 (limits update periodically) | $144,400 |
| West Virginia Veterans' Home Loan Mortgage ProgramStatewide · Statewide | See programNo income limit | $350,000 |
| WVHDF Homeownership Program | $57,040Gross (federal compliance) income must not exceed the income limit for the county of purchase, effective for locks on or after January 2, 2026. Compliance income includes all persons on the Note and/or Title. Most counties have a $57,040 income limit. Higher county limits include: Berkeley $76,320; Brooke/Hancock/Marshall/Ohio (Weirton-Steubenville) $63,840; Cabell/Wayne (Huntington) $60,160; Greenbrier $64,800; Jefferson $102,100; Putnam $90,480 / Kanawha $75,520 (Charleston); Mineral (Cumberland) $78,720; Monongalia/Preston (Morgantown) $72,400; Morgan $58,000; Wood (Parkersburg) $66,400; Winchester MSA (Hampshire) $78,720. (Consult the official 2025-26 Income and House Price Limits PDF for exact county-by-household-size values.) | $350,000 |
| WVHDF Movin' Up Program | $171,120Statewide borrower income limit of $171,120, regardless of household size or county of purchase (effective for locks on or after January 2, 2026). Federal compliance income includes all those on the Note and/or Title. Movin' Up Special applies to applicants whose qualifying income is at or below 80% of Area Median Income for their federally designated census tract. | $350,000 |
Questions, answered
What are the income limits for down payment assistance in West Virginia?
24 down payment assistance programs in West Virginia publish an income limit, a purchase price cap, or both. 10 express the limit as a percentage of the area median income for the county where the home is, and 12 publish a flat dollar figure instead.
Why does the same program have different income limits in different counties?
Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.
Is a published limit the same as being approved?
No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
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