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First-time Homebuyer Program

You must be a first-time homebuyer or you may not have owned a home, as your principal residence, in the last three years

You must be able to qualify for one of the three following loan types:

• FHA - Federal Housing Administration
• VA - Veterans Administration
• RD - Rural Development Guaranteed loan program

Your total annual family income must be at or below the income limits. See Income & Purchase Price Limits

The home you are purchasing must meet the WCDA purchase price limitations. See Income & Purchase Price Limits

Manufactured homes on permanent foundations that meet the requirements of FHA Mortgage Insurance are eligible. WCDA will finance a manufactured home under the FHA program only.

You must be purchasing a home on six (6) acres or less or on not more than one legal building site.

Military Preference Special Rate: WCDA offers a special rate for all active and veteran military borrowers, with proof of military status. It is a fixed rate for thirty years. The loan can be VA, RD, or an FHA insured loan. It does not have to be a VA loan.

Home Again Program - If you meet all of the WCDA First-time Homebuyer Program requirements and you are purchasing a WCDA – owned property, you may be eligible for a slightly lower interest rate under the Home Again Program. The Home Again Program is a reduced rate loan program, 30 year fixed rate mortgage to eligible first time homebuyers purchasing a WCDA REO property under our Standard Single Family Program. To view the REO properties, go to the WCDA Properties Listed for Sale section.

WCDA news

WCDA closed May 29 for Memorial Day

WCDA will be closed all day Monday, May 29, 2017 in observance of Memorial Day.…read more »

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