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West Virginia Housing Development Fund

Making homeownership more affordable for eligible first-time buyers in West Virginia.

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Your Key to Homeownership in West Virginia

Buying a home is one of the biggest steps you’ll ever take, and it shouldn’t feel out of reach. The West Virginia Housing Development Fund (WVHDF) is a state program designed to make homeownership more affordable for first-time buyers. With below-market interest rates, a low down payment requirement, and up to $8,000 in down payment assistance, the WCHDF program could be the key that helps open the door to your new home.

Why the WVHDF Program Stands Out

  • Up to $8,000 in Down Payment Assistance: Funds come in the form of a second mortgage at just 2% interest over 15 years, making it easier to cover upfront costs without draining your savings.
  • Low Credit Score Requirement: You may qualify with a minimum credit score of 620, so more buyers have a path to approval.
  • Flexible Rate Lock Options: Lock your rate for a standard 60 days, or take advantage of extended lock options up to 180 days for new construction.**
  • Special Savings for Veterans & Military Members: Eligible veterans and military service members may qualify for an interest rate that is 1% lower than the standard rate.†
  • Multiple Loan Types Accepted: The program works with VA, Conventional, FHA, and USDA loans, so you can choose the loan that fits your situation best.
Learn More

** Up to $2,000 upfront lock fee refundable at closing.

† Contact your First Heritage Mortgage Loan Officer for more information.
For more information about program eligibility, rates, terms, down payment assistance, and sale price/income limits, visit www.wvhdf.com.

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Let’s get you home

Our team is here to help you find out if you qualify for WVHDF benefits and guide you through every step of the process. Your dream home may be closer than you think.
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THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.