05/11/2026
For a home at the state average price (roughly $240k–$250k), a 20% down payment is nearly $50,000. This number is understandably a barrier for many, but with several state programs, buyers can find relief when it comes to large down payments:
WVHDF Homeownership Program: This is the gold standard for WV first-time buyers. It offers low fixed rates and, more importantly, can be paired with the "Low Down Home Loan" to help cover your down payment and closing costs.
The "Movin’ Up" Program: Not a first-time buyer? This one is for you. It’s designed for moderate-income repeat buyers who need a little help with the transition to a new home.
The Home Blend (Charleston Specific): If you're looking within Charleston city limits, this program is incredibly generous, offering up to $27,000 in combined down payment and closing cost assistance.
Home ownership could be your next big move! Let's chat and see what's available for you.
Vickie McLaughlin
📱 3044150366
📧[email protected]
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Mark Mansour, Broker
Old Colony, REALTORS
1205 Virginia Street E
Charleston, WV 25301