The Homebuyer Assistance Program (HAP) is available through the Eastern Panhandle HOME Consortium of West Virginia. Qualifying borrowers can obtain deferred no-interest loan to be used for down payment and closing costs. The loan is forgiven if the buyer remains in the home for the term of the loan. The amount of the loan is determined by the need of the borrower. Further information on qualifications and restrictions can be found in the below links.