Your real West Virginia affordability, the WVHDF Low Down Home Loan / Movin' Up DPA match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your West Virginia number — free →The WVHDF Low Down Home Loan / Movin' Up DPA is West Virginia's flagship statewide down payment assistance, administered by the state housing finance agency (second loan). Current amounts, income limits and credit requirements are set by the agency — confirm them on the official program page. Cities and counties in West Virginia often add their own programs on top.
Official West Virginia program page →West Virginia's main statewide option is the WVHDF Low Down Home Loan / Movin' Up DPA — second loan administered by the state housing finance agency. Many cities and counties in West Virginia add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap West Virginia assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official WVHDF Low Down Home Loan / Movin' Up DPA page before applying.