State Buyer Guide
Down payment assistance, West Virginia housing programs, closing cost estimates, and what to know before buying — including from FSBO sellers.
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The West Virginia Housing Development Fund (WVHDF) is your primary source for below-market mortgage rates and down payment assistance in West Virginia. Programs are available through approved lenders — not directly through the HFA.
Below-market rate mortgages for first-time buyers.
DPA component for qualifying WVHDF borrowers.
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Compare Mortgage Rates →On a $165,000 home: approximately $4,125
West Virginia charges a real estate transfer tax of $1.10 per $500 (0.22%) of consideration.
West Virginia is an attorney-closing state. A licensed WV real estate attorney must conduct the closing. Budget $600–$900.
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Find an Inspector →As an attorney-closing state, West Virginia requires a licensed real estate attorney to conduct your closing. You'll also want one to review your purchase agreement.
Nolo has been the go-to legal resource for DIY buyers since 1971. Their real estate guides explain purchase agreements, contingencies, and closing in language anyone can understand.
Browse Legal Guides →Get a real estate attorney to review your purchase agreement or help you draft an offer letter — often for a fraction of traditional legal fees.
Get Legal Help →Download state-specific purchase agreements, addenda, and disclosure forms — written by attorneys, ready to use in your state.
Browse Real Estate Forms →West Virginia first-time buyers can access programs through the West Virginia Housing Development Fund (WVHDF) (https://www.wvhdf.com/), including the WVHDF Homeownership Program (Below-market interest rate plus access to WVHDF down payment assistance) and the WVHDF Movin' Up Program (Down payment assistance up to $8,000 as a second mortgage). Federal programs like FHA loans (3.5% down) and USDA loans (0% down in eligible areas) are also available.
Closing costs in West Virginia typically run 2.5% of the purchase price. Transfer tax: 0.22% ($2.20 per $1,000). West Virginia charges a real estate transfer tax of $1.10 per $500 (0.22%) of consideration.
West Virginia is an attorney-closing state. A licensed WV real estate attorney must conduct the closing. Budget $600–$900.
The median home price in West Virginia is approximately $165,000. Property taxes average 0.58% of assessed value annually.
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