The WISH Down Payment Assistance program

The WISH Down Payment Assistance program es una subvención para compradores de vivienda en Multiple, Nevada. FHLB San Francisco WISH 4:1 matching grant up to $32,837 (2026) for first-time homebuyers at <=80% AMI. 5-year retention with pro-rata forgiveness (1/60th per month). Delivered via Nevada Partners, Inc. The WISH (Workforce Initiative Subsidy for Homeownership) Down Payment Assistance program is administered by Nevada Partners, Inc. as an FHLB San Francisco member-bank delivery channel. Eligible first-time homebuyers receive a 4-to-1 matching grant: for every $1 the borrower contributes from their own funds, FHLB SF provides $4 in matching grant (up to the annual per-household maximum). The 2025 maximum grant was $29,172. the 2026 maximum is anticipated at $32,837 per FHLB SF program updates (subject to FHLB SF funding round). Funds may be used for down payment, closing costs, and homebuyer counseling fees. The subsidy is forgiven 1/60th per month over 5 years of continuous owner-occupancy (5-year retention period). pro-rata recapture applies on early sale, refinance, or non-owner-occupancy. Los fondos provienen de Federal y FHLB.

The WISH Down Payment Assistance program está estructurado como una subvención, así que no se devuelve. El reembolso se activa por Pro-rata recapture: 1/60th of grant forgiven each month of owner-occupancy. If borrower sells, refinances with cash-out, transfers title, or ceases owner-occupancy within 5 years, the unforgiven balance is repaid to FHLB SF (typically from sale proceeds). Fully forgiven after 60 months. La ayuda se registra con un gravamen en posición Grant. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

The WISH Down Payment Assistance program está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: WISH allows displaced homemakers and single parents to qualify as first-time homebuyers per HUD/FHLB SF definition (not owned during the marriage or for the past 3 years). Sobre el crédito, el programa indica: 640 minimum mid-FICO across all loan products. Se requiere un curso de educación para compradores de vivienda, a través de Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required - WISH program requires HUD-certified education). Requisito de residencia: Property must be located in Nevada within an FHLB SF member-bank service area (effectively statewide); served as borrower's principal residence. Ciudadanía o situación migratoria: U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. First-time homebuyer required (no principal residence in prior 3 years). 4-to-1 borrower-match: borrower must contribute own funds (any combination of earnest money, appraisal, inspection, down payment, and closing costs from borrower's own resources counts). Income at or below 80% AMI for Clark County (HUD limits). 640 minimum mid-FICO. 45% maximum DTI. HUD-certified homebuyer education completion required PRIOR to grant approval. 5-year owner-occupancy retention period (1/60th forgiveness per month). Property must be located within FHLB SF member bank's service area (effectively all of Nevada). Subsidy retention secured by deed restriction or subordinate note.

The WISH Down Payment Assistance program limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. FHLB SF WISH income limits set at 80% Area Median Income (AMI) for the property's county. For Clark County (Las Vegas-Henderson-Paradise MSA), 2025 80% AMI limits range $51,700 (1p) to $114,250 (8p, after high-cost adjustment). Confirmed against HUD income limits annually. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

The WISH Down Payment Assistance program limita el precio de compra así: No FHLB SF WISH program-imposed purchase-price cap; subject to first-mortgage product limits. Los tipos de propiedad elegibles incluyen Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) y manufactured home on permanent foundation. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

The WISH Down Payment Assistance program menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional y cónyuges sobrevivientes entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

The WISH Down Payment Assistance program atiende a compradores de vivienda que compran en Multiple, Nevada.

Las solicitudes de The WISH Down Payment Assistance program se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Borrower applies through Nevada Partners housing counseling. Once eligibility verified and HUD-approved homebuyer education complete, NPI submits to FHLB SF member-bank lender; member bank reserves WISH funds via FHLB SF online portal. Funds disbursed at closing via FHLB member. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.