WVHDF Homeownership Program

WVHDF Homeownership Program é uma primeira hipoteca para compradores de imóveis em West Virginia, administrado por West Virginia Housing Development Fund (WVHDF). The WVHDF Homeownership Program is the Fund's signature first-mortgage program, primarily targeting lower-income first-time home buyers and generally offering the Fund's lowest interest rates. These 30-year, fixed-rate loans can finance up to 100% of the home's purchase price and provide access to the Fund's Low Down Home Loan down payment/closing cost assistance. Income and sales-price limits vary by county, and the first-time buyer requirement is waived in federally targeted counties. Lowest WVHDF interest rates. 30-year fixed-rate first mortgage. Up to 100% financing of purchase price. Access to the Low Down Home Loan (up to $15,000 at 2% for down payment/closing costs). Accepts FHA, VA, USDA, and conventional/PMI loans. First-time buyer requirement waived in targeted counties. Os recursos vêm de Tax-exempt mortgage revenue bonds issued by WVHDF.

WVHDF Homeownership Program é uma primeira hipoteca e é reembolsado nas condições definidas por West Virginia Housing Development Fund (WVHDF). A ajuda é registrada como ônus em posição first. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

WVHDF Homeownership Program é aberto a compradores do primeiro imóvel e compradores de imóveis que vão morar no imóvel como residência principal. “Primeiro imóvel” tem exceções aqui: In federally targeted counties, the three-year prior-ownership prohibition does not apply (first-time buyer requirement waived). The first-time buyer requirement applies only in non-targeted counties. Former/current primary residence ownership is allowed with some Fund loans; borrowers should consult a loan officer. Sobre crédito, o programa afirma: No published hard minimum; generally a score in the low- to mid-600s can be acceptable, but multiple factors impact qualification. Borrowers should complete a pre-qualification with a loan officer. É exigido um curso de educação para compradores de imóveis, por meio de Homebuyer Education/Counseling is required on conventionally insured or uninsured loans (free interactive course via Fannie Mae HomeView at fanniemae.com/education). On government-insured loans (FHA, VA, USDA), follow the insuring agency's homebuyer education guidelines. HUD-certified counseling agencies are also available. Requisito de residência: Home must be purchased in West Virginia. Federal recapture tax may apply (9-year period). Cosigners not permitted. Lot size must be 5 acres or smaller. Only doublewide (no singlewide) manufactured homes eligible. Construction financing not available (permanent financing of new builds only). Min credit score, max DTI, max liquid assets, rate lock period, points/fees, and annual funding cap were not published on official sources and are left blank. Exact per-county income figures by household size are in the official limits PDF; the current 4-person figure was not separately broken out by household size on the source, so income_limit_amount reflects the most common county income limit ($57,040) rather than a confirmed 4-person value.

WVHDF Homeownership Program limita a renda familiar a $57,040. O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

WVHDF Homeownership Program limita o preço de compra a $350,000. Os tipos de imóvel elegíveis incluem single-family detached, townhome, condominium (approved), unit in approved Planned Unit Development (PUD) e doublewide manufactured home (post-1976). Construções novas são elegíveis. Casas pré-fabricadas são elegíveis.

WVHDF Homeownership Program cita veteranos entre os grupos que atende. Aparecer aqui significa que o programa menciona o grupo, não que fazer parte dele, por si só, qualifique um candidato — as demais regras de elegibilidade continuam valendo.

WVHDF Homeownership Program atende compradores de imóveis que compram em qualquer lugar de West Virginia. O programa é voltado para áreas específicas: WVHDF designates federally targeted counties where the first-time homebuyer (3-year prior ownership) requirement is waived. Targeted counties per the 2025-26 limits PDF include: Braxton, Calhoun, Clay, Doddridge, Fayette, Gilmer, Grant, Hampshire, Hardy, Jackson, Lewis, Lincoln, Logan, McDowell, Mineral, Mingo, Monroe, Nicholas, Pendleton, Pleasants, Pocahontas, Preston, Randolph, Ritchie, Roane, Summers, Taylor, Tucker, Tyler, Upshur, Wayne, Webster, Wetzel, Wirt, Wyoming.

As inscrições para WVHDF Homeownership Program são feitas por meio de West Virginia Housing Development Fund (WVHDF), que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Loans are reserved/locked by WVHDF Partner Lenders through the PowerLender system (wvhdf.powerlender.com). A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.