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West Virginia program

Low Down Home Loan

West Virginia route through West Virginia Housing Development Fund. 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.

15-year fixed-rate second mortgage Forgivable if occupancy holds 2026-04-21
Agency West Virginia Housing Development Fund
Support type 15-year fixed-rate second mortgage
Amount highlight Current WVHDF materials describe up to $12,000 for down payment and closing costs when paired with an eligible WVHDF first mortgage.
Last verified 2026-04-21

Use carefully

Use the 2026 memos over the older $8,000 version

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

Low Down Home Loan is live and detail-safe, but older WVHDF memos still preserve the prior $8,000 version and narrower program pairing rules.

Source note: Older 2024 and 2025 WVHDF materials used an $8,000 cap and narrower first-mortgage pairing language, while the 2026 memo and current pages now use a $12,000 cap and broader Homeownership plus Movin' Up pairing.

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

Current WVHDF materials describe up to $12,000 for down payment and closing costs when paired with an eligible WVHDF first mortgage.

Type

15-year fixed-rate second mortgage

Repayment

Current WVHDF materials describe the Low Down Home Loan as a fully amortizing second lien with a 15-year term at 2.000% interest. The assistance is repayable rather than forgivable, and WVHDF materials say the second lien must be paid off if the property is sold or refinanced because the Fund does not subordinate the loan.

First-time buyer

Varies

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?

West Virginia homebuyers using an eligible WVHDF Homeownership Program or Movin' Up Program first mortgage, Borrowers whose first-lien loan-to-value ratio is at least 80%, Applicants whose combined loan-to-value ratio does not exceed 105%, Homebuyers meeting the current WVHDF income, purchase-price, and product-specific rules

What support do you get?

Current WVHDF materials describe up to $12,000 for down payment and closing costs when paired with an eligible WVHDF first mortgage.

Do you repay it?

Current WVHDF materials describe the Low Down Home Loan as a fully amortizing second lien with a 15-year term at 2.000% interest. The assistance is repayable rather than forgivable, and WVHDF materials say the second lien must be paid off if the property is sold or refinanced because the Fund does not subordinate the loan.

How do you apply?

Start with a WVHDF loan originator or partner lender, qualify for an eligible WVHDF first mortgage, and have the lender structure the Low Down Home Loan as the second lien for down payment and closing costs.

Official source evidence

Current WVHDF materials say the Low Down Home Loan can provide up to $12,000 as a 15-year second lien at 2.000% interest, paired with an eligible WVHDF first mortgage.

View official source

Last verified

2026-04-21

Low Down increase effective 2026-01-22; current 2025-26 limits sheet effective 2026-01-02

Paid preview

What paid access adds for Low Down Home Loan

See the shape of the comparison output, risk checks, lender questions, and next-step checklist before you decide whether this program is worth carrying into the paid layer.

Example paid output for this program. The free page stays visible either way.

Comparison preview

Low Down Home Loan

Amount: Current WVHDF materials describe up to $12,000 for down payment and closing costs when paired with an eligible WVHDF first mortgage.

Repayment: Current WVHDF materials describe the Low Down Home Loan as a fully amortizing second lien with a 15-year term at 2.000% interest. The assistance is repayable rather than forgivable, and WVHDF materials say the second lien must be paid off if the property is sold or refinanced because the Fund does not subordinate the loan.

First-time buyer: Varies

Risk checks preview

What gets flagged before you call a lender

  • Low Down Home Loan must be paired with a specific first mortgage.
  • Low Down Home Loan can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Low Down Home Loan, and what breaks eligibility?
  • Which events trigger repayment for Low Down Home Loan: sale, refinance?

Action checklist preview

What you would do next

  • Review the official Low Down Home Loan page for Low Down Home Loan
  • Carry the lender question kit for Low Down Home Loan
Open the full West Virginia board

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.

1 tracked

specialty and conditional paths

Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.

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Private workspace

What paid access adds after the free facts

This page stays free for public facts. Paid access turns this program into a shortlist item, a related-path decision layer, risk checks, lender-call prep, and a next-step queue.

If the public facts still look relevant, paid access is where you decide whether this path is stronger than your fallback and what to do next.

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Full state board

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