Forgivable loan
City of Morgantown Employee Down Payment Assistance Program (Morgantown Homecoming)
Income limits · Single Family · Townhouse · 2-4 Unit
Down payment assistance · Monongalia County
Buying a home in Morgantown, WV
2 Morgantown programs and 6 statewide.Morgantown has 2 programs of its own, and 6 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
Find my programs Free · No credit pull · 90 seconds
Only for Morgantown addresses
Morgantown’s own programs
First mortgage
Mon Valley Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family · Townhouse · 2-4 Unit
The Morgantown marketThe Morgantown housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Morgantown
- 46.4% single-familysingle-family
- 2.3% townhousetownhouse
- 21.4% 2–4 units2–4 units
- 27.9% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
About condos. None of Morgantown’s 2 local and county programs list condos as eligible. City of Morgantown Employee Down Payment Assistance Program (Morgantown Homecoming) lists single family, townhouse and 2-4 unit. Mon Valley Habitat for Humanity Homeownership Program lists single family, townhouse and 2-4 unit.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Morgantown’s homes were built
pre-19401970s2020+
63.8%
of Morgantown 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.
$103,000
County area median income, 4 people (HUD)HUD area median income, Monongalia County, 4-person household (2026)
$44,727
Morgantown median household incomeMedian household income in Morgantown (Census, 2024)
8 of the 70 programs here set their income limit as a share of Monongalia County’s area median income, adjusted for household size. See the published limits for Monongalia County
Free help nearbyFree help near Morgantown
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across West Virginia and nationwide
68 statewide & federal programs6 statewide programs, plus federal options
Morgantown questions
Does Morgantown have its own down payment program?
Yes, 2: City of Morgantown Employee Down Payment Assistance Program (Morgantown Homecoming) and Mon Valley Habitat for Humanity Homeownership Program. Each is for homes inside Morgantown.
Can I use assistance on a condo in Morgantown?
None of Morgantown’s 2 local and county programs list condos as eligible. City of Morgantown Employee Down Payment Assistance Program (Morgantown Homecoming) lists single family, townhouse and 2-4 unit. Mon Valley Habitat for Humanity Homeownership Program lists single family, townhouse and 2-4 unit. 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 Monongalia County?
Each program sets its own. 8 of the programs here set theirs as a share of HUD’s area median income for Monongalia 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 Morgantown?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
26501 · 26502 · 26503 · 26504 · 26505 · 26506 · 26507 · 26508
Nearby in Monongalia
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.