Homeownership Interest Rate for January 17, 2018:
4.00% (APR: 4.480%)

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December 6, 2017
RIPLEY – The West Virginia Housing Development Fund recently celebrated the dedication of Elizabeth Way Apartments.     Erica...
November 27, 2017
Fund Remains Only Housing Finance Agency with “AAA” Distinction   Standard & Poor’s Rating Service has once again affirmed West...
August 16, 2017
The West Virginia Housing Development Fund is proud to announce the promotion of two long-time employees.   Crystal Toney will be...
August 9, 2017
CROSS LANES – As of Monday, there is one less blighted, dangerous building in Kanawha County.   It took about 20 minutes for a large...
June 1, 2017
Most know the West Virginia Housing Development Fund through our home-buying programs. One in 10 West Virginia homebuyers have entrusted us...
April 25, 2017
The West Virginia Housing Development Fund’s Board of Directors has approved a loan to the Kanawha County Commission to help take down...
April 18, 2017
  Erica L. Boggess has been named Executive Director of the West Virginia Housing Development Fund.     Boggess, who has...
March 30, 2017
A message to our customers:   Here at the Fund, we are proud of what we do. We are honored by the fact that so many West Virginians...
February 14, 2017
We are pleased to present the West Virginia Housing Development Fund’s Fiscal Year 2016 Annual Report. This is an important record of...
January 26, 2017
  The West Virginia Housing Development Fund is excited to welcome Governor Jim Justice and Agriculture Commissioner Kent Leonhardt...

National Housing Trust Fund Program

National Housing Trust Fund Program


The West Virginia Housing Development Fund is responsible for the administration of the National Housing Trust Fund.  The Housing Trust Fund (HTF) program established under section 1338 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992, as amended (12 U.S.C. 4501 et seq.) (the Act). In general, under the HTF program, HUD allocates funds by formula to eligible States to increase and preserve the supply of decent, safe, sanitary, and affordable housing, with primary attention to rental housing for extremely low-income and very low-income households, including homeless families.


Section 1337 of the Act requires a percentage of the unpaid principal balance of total new business for the Federal Home Loan Mortgage Corporation (Freddie Mac) and the Federal National Mortgage Association (Fannie Mae) (collectively, the government-sponsored enterprises or GSEs) to be setaside and allocated as a dedicated source of annual funding for the HTF, unless allocations are suspended by the Director of the Federal Housing Finance Agency, the agency that regulates the GSEs. These funds will be deposited into an HTF account established in the Treasury of the United States by the Secretary of the Treasury to carry out the HTF program. The Act also provides that the HTF may be funded with amounts appropriated, transferred, or credited to the HTF under other provisions of law.


Current News


Click here for the HOME & HTF Updates Power Point presented at the West Virginia Housing Conference on September 21, 2017


Click here to see the Public Notice for the State of West Virginia regarding the Draft Consolidated Annual Performance and Evaluation Report

West Virginia Peer Network Announcement to Build Capacity to Increase Permanent Supportive Housing for Vulnerable Populations 


Click here to see the 2016 Draft Consolidated Annual Performance and Evaluation Report.   


 Click here for the 2017 HTF Allocation Plan Guide (approved by HUD) 


Click here for General Rehabilitation Specifications Manual submitted to HUD as an attachment to the 2017 HTF Allocation Plan Guide.  


HOME and HTF Request for Proposals

HOME & HTF Rental Housing Program Guidelines 2017   

2017 HOME & HTF Pre-Application    

2017 HOME & HTF RFP  



The Home Program

Census Tract by WV Counties

HOMERent Relocation Guide

HOME Rental Management Handbook




24 CFR 93 Housing Trust Fund Regulations 


HTF Allocation Plan Guide 2016 – Approved by HUD 


General Rehabilitation Specification Manual


2015-2109 Con Plan Amended for NHTF


2016 Action Plan Amended for NHTF


HOME Comparison with Housing Trust Fund


HTF-FAQs 2015 12 30


2017 Maximum Per Unit Subsidy Limits


2017 HTF Income Limits

2017 HTF Rent Limits 


The West Virginia Housing Development Fund is the state's affordable mortgage finance agency.

The WVHDF was established to develop and improve the state's housing opportunities for residents.