Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates. Programs mentioned in news posts may close to applications at any time. Visit the Programs section for updated information on our Multi-Family and Single-Family programs. 

Low Down Home Loan

Links to external websites are being provided as a convenience and for informational purposes only; they do not constitute an endorsement or an approval by the West Virginia Housing Development Fund of any of the products, services or opinions of the corporation or organization or individual. The Fund bears no responsibility for the accuracy, legality or content of the external site or for that of subsequent links.

Rates mentioned in news posts may not reflect current rates. Programs mentioned in news posts may close to applications at any time. Visit the Programs section for updated information on our Multi-Family and Single-Family programs. 

The Low Down Home Loan can be used to cover down payment and/or closing costs, reducing the amount of out-of-pocket funds needed to purchase a home. It can be used in conjunction with both the Fund’s Homeownership Program and Movin’ Up Program through WVHDF Participating Lenders. To apply or discuss your options, please contact a WVHDF Loan Originator at 800-933-8511 or a partner lender.

Loan Terms:

  • Up to $12,000 available when loan-to-value is at or above 80%.
  • 15-year, fixed-rate loan at 2% interest


Customer Testimonial: Casey Golden

Call 800-933-8511 to speak with an experienced loan originator about the Low Down Home Loan!