WVHDF Homeownership Program

WVHDF Homeownership Program是面向West Virginia购房者的第一抵押贷款，由West Virginia Housing Development Fund (WVHDF)管理。 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. 资金来自Tax-exempt mortgage revenue bonds issued by WVHDF。

WVHDF Homeownership Program是第一抵押贷款，按West Virginia Housing Development Fund (WVHDF)设定的条款偿还。 该援助以first顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

WVHDF Homeownership Program面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：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. 关于信用，该项目说明：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. 须参加购房者教育课程，由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.提供。 居住要求：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将家庭收入限制在$57,040。 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

WVHDF Homeownership Program将房价上限设为$350,000。 符合条件的房屋类型包括single-family detached、townhome、condominium (approved)、unit in approved Planned Unit Development (PUD)和doublewide manufactured home (post-1976)。 新建房屋符合条件。 预制房屋符合条件。

WVHDF Homeownership Program在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

WVHDF Homeownership Program服务于在West Virginia任何地方购房的购房者。 该项目针对特定区域：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.

WVHDF Homeownership Program的申请通过West Virginia Housing Development Fund (WVHDF)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Loans are reserved/locked by WVHDF Partner Lenders through the PowerLender system (wvhdf.powerlender.com)预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。