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Moving In

We have programs for first-time home buyers
Find Yours...

Find a program by answering a few questions.

The West Virginia Housing Development Fund is for West Virginia residents or individuals purchasing a home in the state of West Virginia.

For information on housing programs in your area, please contact your state housing agency.

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The Homeownership Program makes homeownership more affordable for families and individuals.

Down payment and closing cost assistance loans are available in conjunction with the Homeownership Program to reduce the amount of upfront money needed to purchase a home.

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Moving Up

Refinance or move up to a larger home
Learn How...

Find a program by answering a few questions.

The West Virginia Housing Development Fund is for West Virginia residents or individuals purchasing a home in the state of West Virginia.

For information on housing programs in your area, please contact your state housing agency.

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The Movin’ Up Program helps home buyers who might have outgrown their current residence or just want to make a change.

Down payment and closing cost assistance loans are available in conjunction with the Movin’ Up Program to reduce the amount of upfront money needed to purchase a home.

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This program is designed to help eligible households repair or replace on-site septic systems or connect to a public treatment system.
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Moving Others

Partner with us on your next project
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WVHDF Programs for Business and Development

All Programs

A Fountain of Information

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The Fund for All of West Virginia

Welcome to the Fund!

Are you looking to purchase your first home or your 5th?  With the West Virginia Housing Development Fund it doesn’t matter because we have programs available to meet the needs of almost any buyer.  Our programs are amongst the most competitive in the industry, yet we still take pride in providing an unmatched level of customer service. Want to learn more? Here’s just a brief list of our homeownership programs:

  • Homeownership – Program for first-time buyers, offering great rates and closing cost assistance
  • Movin’ Up –  Current home too small?  The Movin’ Up program is for those looking to buy a larger home here in West Virginia
  • WVHDF Refinance Program – This is for those looking to refinance your existing home to take advantage of today’s low mortgage rates
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Frequently Asked Questions

Can my payment come out of my bank account automatically?

Yes. The West Virginia Housing Development Fund provides the convenience of automatic payment processing for your monthly mortgage payment, FREE, as a service to you. You can save time and expense by signing up for the automatic payment withdrawal service today!

Sign Up for Automatic Payment

How can I find out the payoff amount on my mortgage?

Contact the Loan Servicing Department at 1-800-933-1272 for a payoff quote.

What do I do when I receive an insurance bill or tax ticket in the mail?

First verify that the bill is not a courtesy copy mailed to you for your information, or another insurance type (i.e. auto insurance or personal property tax). Then write your Loan Number on the bill and send it to West Virginia Housing Development Fund, 5710 MacCorkle Ave SE, Charleston, WV 25304, Attention: Escrow Department.

What if I do not receive my loan statement before my mortgage payment is due?

Contact the Loan Servicing Department at 1-800-933-1272 to obtain your loan number. Verify your correct mailing address and contact information with a Loan Servicing representative. Be sure to mail your payment by the due date to West Virginia Housing Development Fund, Loan Servicing Department, P.O. Box 1993, Charleston, WV 25327.

Can I make my payment online?

Yes. Using your account number and password you can access the online payment feature through the Customer Log In. This is a free service and your payment will be credited to your account the same day as long as you authorize your payment before 2 pm. Otherwise, it will be credited the next business day.

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News Room

Work Crews Help Those in Need

Work Crews Help Those in Need
HURRICANE – The sounds of hammers pounding in nails and circular saws cutting lumber filled the air during a recent morning at Whites Mobile Home ...
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Gov. Justice Announces Standard & Poor’s Affirms AAA Credit Rating for Fund

Gov. Justice Announces Standard & Poor’s Affirms AAA Credit Rating for Fund
Standard & Poor’s Rating Service has once again affirmed West Virginia Housing Development Fund’s “AAA” issuer credit rating. The “AAA” qualification is Standard & Poor’s ...
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U.S. Congressman Alex Mooney Joins Home4Good Event Announcing Funding to Address Homelessness in West Virginia

U.S. Congressman Alex Mooney Joins Home4Good Event Announcing Funding to Address Homelessness in West Virginia
Congressman Alex Mooney (R-W.Va.) was the special guest for an event held Thursday to announce funding to fight homelessness across West Virginia. FHLBank Pittsburgh and ...
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Fund Sponsors Fair Housing Poster Contest

Fund Sponsors Fair Housing Poster Contest
The West Virginia Housing Development Fund is proud to partner with The West Virginia Human Rights Commission to present their 8th Annual Fair Housing Poster Contest ...
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WVHDF Thanks Capito, Manchin for Directing Housing Funding to State

WVHDF Thanks Capito, Manchin for Directing Housing Funding to State
The West Virginia Housing Development Fund would like to thank U.S. Senators Shelley Moore Capito (R – W.Va.) and Joe Manchin (D – W.Va.), both ...
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Fund Earns National Accounting Award

Post courtesy of the Government Finance Officers Association   (Chicago, Illinois) --The Certificate of Achievement for Excellence in Financial Reporting has been awarded to West Virginia ...
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