The WISH Down Payment Assistance program

The WISH Down Payment Assistance program è un contributo a fondo perduto per chi compra casa in 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. I fondi provengono da Federal e FHLB.

The WISH Down Payment Assistance program è un contributo a fondo perduto, quindi non va restituito. Il rimborso scatta in caso di 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. L'aiuto è iscritto in posizione Grant. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

The WISH Down Payment Assistance program è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: 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). Sul credito, il programma afferma: 640 minimum mid-FICO across all loan products. È richiesto un corso per chi compra casa, tramite Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required - WISH program requires HUD-certified education). Requisito di residenza: Property must be located in Nevada within an FHLB SF member-bank service area (effectively statewide); served as borrower's principal residence. Cittadinanza o status migratorio: 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 il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. 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. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

The WISH Down Payment Assistance program limita il prezzo di acquisto così: No FHLB SF WISH program-imposed purchase-price cap; subject to first-mortgage product limits. I tipi di immobile idonei includono Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) e manufactured home on permanent foundation. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

The WISH Down Payment Assistance program cita veterani, militari in servizio attivo, riservisti e membri della Guardia Nazionale e coniugi superstiti tra i gruppi a cui si rivolge. Essere citati qui significa che il programma menziona il gruppo, non che l'appartenenza basti da sola a soddisfare i requisiti: valgono comunque le altre regole di idoneità.

The WISH Down Payment Assistance program si rivolge a chi compra casa in Multiple, Nevada.

Le domande per The WISH Down Payment Assistance program passano da l'ente che gestisce il programma, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite 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 non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.