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West Virginia program

Cabell-Huntington-Wayne Homebuyer Assistance Program

West Virginia route through City of Huntington. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Forgivable local DPA loan Check official rules 2026-04-23
Agency City of Huntington
Support type Forgivable local DPA loan
Amount highlight Official city materials say the program can provide up to 25% of purchase price, capped at $25,000, as a 0% loan for down payment and closing costs, with at least $1,000 assistance and a required $500 buyer contribution.
Last verified 2026-04-23

Use carefully

Forgiveness sits inside a 15-year 0% note structure

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

This one is detail-safe, but explain the structure carefully: the official packet describes a 15-year 0% loan and says the remaining balance may be forgiven after 10 compliant years.

Decision-ready public facts

What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to West Virginia program hub if you need the wider state context.

Amount

Official city materials say the program can provide up to 25% of purchase price, capped at $25,000, as a 0% loan for down payment and closing costs, with at least $1,000 assistance and a required $500 buyer contribution.

Type

Forgivable local DPA loan

Repayment

The official application describes a 15-year, 0% loan. If the buyer stays compliant through the first 10 years, the remaining balance may be forgiven. Sale, rental, transfer, or loss of owner occupancy can trigger repayment.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers or HUD-defined displaced homemakers, Income-qualified buyers at or below 80% AMI, Buyers purchasing in Huntington, Cabell County, or Wayne County

What support do you get?

Official city materials say the program can provide up to 25% of purchase price, capped at $25,000, as a 0% loan for down payment and closing costs, with at least $1,000 assistance and a required $500 buyer contribution.

Do you repay it?

The official application describes a 15-year, 0% loan. If the buyer stays compliant through the first 10 years, the remaining balance may be forgiven. Sale, rental, transfer, or loss of owner occupancy can trigger repayment.

How do you apply?

Complete HUD-certified homebuyer counseling, get lender preapproval, confirm household income at or below 80% AMI, and submit the city HOME application for an owner-occupied purchase in Huntington, Cabell County, or Wayne County.

Official source evidence

The official City of Huntington application says the Cabell-Huntington-Wayne HOME consortium can provide up to 25 percent of purchase price, capped at $25,000, as a 0 percent loan for down payment and closing costs. The same packet says buyers must be first-time homebuyers or HUD-defined displaced homemakers, stay at or below 80 percent AMI, complete HUD-certified counseling, contribute at least $500, and buy within Huntington, Cabell County, or Wayne County.

View official source

Last verified

2026-04-23

Effective date not captured.

Paid preview

What paid access adds for Cabell-Huntington-Wayne Homebuyer Assistance Program

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Comparison preview

Cabell-Huntington-Wayne Homebuyer Assistance Program

Amount: Official city materials say the program can provide up to 25% of purchase price, capped at $25,000, as a 0% loan for down payment and closing costs, with at least $1,000 assistance and a required $500 buyer contribution.

Repayment: The official application describes a 15-year, 0% loan. If the buyer stays compliant through the first 10 years, the remaining balance may be forgiven. Sale, rental, transfer, or loss of owner occupancy can trigger repayment.

First-time buyer: Required

Risk checks preview

What gets flagged before you call a lender

  • Cabell-Huntington-Wayne Homebuyer Assistance Program must be paired with a specific first mortgage.
  • Cabell-Huntington-Wayne Homebuyer Assistance Program can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Cabell-Huntington-Wayne Homebuyer Assistance Program, and what breaks eligibility?
  • Which events trigger repayment for Cabell-Huntington-Wayne Homebuyer Assistance Program: sale, transfer?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official City of Huntington planning and development page for Cabell-Huntington-Wayne Homebuyer Assistance Program
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Paid research preview

What paid research already covers in West Virginia

Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for West Virginia.

3 tracked deeper records

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What unlocks after payment

Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.

1 tracked

city and county programs

City and county down payment or closing-cost programs that never make it into the free statewide layer.

1 tracked

employer-assisted paths

Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.

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specialty and conditional paths

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