West Virginia down payment assistance, deep-checked against current state program sources.
A current inventory of state-run and state-administered assistance in West Virginia, plus national DPA options. Funding and rate sheets can still change after this review date.
Reviewed September 11, 2026 • Joshua Dobson, NMLS #190260
Quick comparison
| Program | Potential assistance | Published min. FICO | Repayment/Forgiveness | Biggest catch |
|---|---|---|---|---|
| WVHDF Low Down Home Loan | Up to $12,000 | product/program specific | 15-year fixed second mortgage at 2% | WVHDF states it will not subordinate this second on refinance; refinance generally requires payoff. |
WVHDF Low Down Home Loan
WVHDF Low Down Home Loan is a current state-administered homebuyer assistance option. Mortgage Navigator uses the administering agency as the controlling source and avoids filling changing details with stale third-party numbers.
Published minimum FICO: product/program specific
National programs West Virginia buyers should also check
National Homebuyers Fund
NHF multi-state assistance may be available through participating lenders. Current lender/product terms control credit, pricing, assistance and repayment or forgiveness.
Published minimum FICO: product/lender specific
Chenoa Fund
Chenoa Fund provides FHA down-payment assistance through approved lender partners. Current matrices control credit, pricing and second-mortgage terms.
Published minimum FICO: product/lender specific
West Virginia's biggest DPA lesson
West Virginia’s current direct statewide DPA is the Low Down Home Loan, increased to as much as $12,000 in 2026. Older pages showing $8,000 are stale.
Let Josh compare the available programs.
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