Workforce Initiative Subsidy for Homeownership (WISH)

Workforce Initiative Subsidy for Homeownership (WISH) — это списываемый заём для покупателей жилья: округ Multiple, Arizona. The Workforce Initiative Subsidy for Homeownership (WISH) Program is funded by FHLBank San Francisco and delivered locally by Housing Solutions of Northern Arizona (HSNA) as the participating member partner. WISH provides 4-to-1 matching grants up to the 2026 maximum of $32,837 (set annually by FHFA) to first-time homebuyers earning at or below 80% Area Median Income. Buyers contribute a minimum of $2,000 or 1% of the purchase price (whichever is greater); FHLBank San Francisco matches that contribution 4:1 through HSNA. The grant is recorded as a 5-year retention deed restriction that forgives 20% per year of owner-occupancy, fully forgiven after 5 years; sale, refinance with cash out, or loss of owner-occupancy during retention triggers pro-rata recapture of the unforgiven balance. WISH funds are delivered annually on a first-come, first-served basis from FHLBank San Francisco's Affordable Housing Program 35% set-aside; the 2026 nationwide allocation is $13M and may be exhausted mid-year. HSNA covers Coconino, Mohave, and Yavapai counties (and serves the broader Northern Arizona region including Apache and Navajo county clients via referral). Native applicants from Navajo, Hopi, and Hualapai communities may apply on the same terms as any other qualifying buyer; WISH is not a Native-targeted program. Up to $32,837 (2026 maximum set by FHFA) in 4-to-1 matching down payment / closing cost assistance for first-time homebuyers at or below 80% Area Median Income. Buyer's contribution (minimum $2,000 or 1% of purchase price, whichever is greater) is matched 4:1 by FHLBank San Francisco grant funds delivered through HSNA. Funds are structured as a 5-year deferred forgivable grant (recorded as a retention deed restriction) - 20% of the subsidy is forgiven for each full year of owner-occupancy, with 100% forgiven after 5 years. No monthly payments and no repayment if the household stays the full retention period. Источник финансирования: FHLB и Federal.

Workforce Initiative Subsidy for Homeownership (WISH): долг списывается через 5 лет, поэтому покупателю жилья, который проживёт в доме этот срок, возвращать ничего не нужно. Возврат требуется в случае: Sale, transfer, cash-out refinance, foreclosure, deed-in-lieu, or loss of owner-occupancy during the 5-year retention period. Помощь регистрируется как залог в очереди: Recorded retention deed restriction (not a traditional subordinate lien); first mortgage remains in 1st position. Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

Workforce Initiative Subsidy for Homeownership (WISH) открыта для тех, кто покупает жильё впервые и покупателей жилья, которые будут жить в доме как в основном месте жительства. Из правила «впервые» здесь есть исключения: First-time-homebuyer rule waived for displaced homemakers and single parents per FHLB definition. О кредитной истории программа сообщает: No published WISH-specific minimum; first-mortgage lender's credit standards apply. Обязателен курс для покупателей жилья, через Housing Solutions of Northern Arizona. Требование о месте жительства: Property must be located in HSNA's service area (Coconino, Mohave, or Yavapai County per HSNA WISH listing) and occupied as primary residence; buyer must escrow within 12 months of WISH enrollment. Must be a first-time homebuyer (no ownership interest in a primary residence in the past 3 years). Household income at or below 80% of HUD AMI based on household size and county at time of WISH enrollment. Buyer must contribute a minimum of $2,000 or 1% of the purchase price (whichever is greater) of own funds to be matched 4:1. Must complete HUD-approved homebuyer education / pre-purchase counseling with HSNA. Must enroll in the WISH program PRIOR to closing and open escrow within 12 months of enrollment. Property must be in HSNA's service area (Coconino, Mohave, or Yavapai County per HSNA's WISH service description) and used as primary residence. A 5-year retention deed restriction is recorded; sale, transfer, refinance with cash out, foreclosure, or loss of owner-occupancy during the retention period triggers pro-rata recapture of unforgiven subsidy. Subject to availability of the 2026 FHLBank San Francisco WISH allocation - the 2026 round is $13M nationally and is typically reserved on a first-come, first-served basis through participating member banks.

Workforce Initiative Subsidy for Homeownership (WISH) ограничивает доход домохозяйства 80% от медианного дохода по району, который зависит от округа и размера семьи. Household income at or below 80% of HUD Area Median Income (AMI) for the buyer's county of purchase, adjusted for household size, as of WISH enrollment. Coconino County FY2025 80% AMI 4-person is approximately $84,150; Mohave / Yavapai limits are lower. The seed PDF income range $35,880-$84,162 spans the 30%-80% AMI brackets across HSNA's service area. Предел относится к общему доходу домохозяйства, а не только к доходу заёмщика. Показатели медианного дохода по району публикует HUD и обновляет ежегодно, поэтому, прежде чем полагаться на цифру, сверьтесь с действующей таблицей для округа.

Workforce Initiative Subsidy for Homeownership (WISH) можно использовать для: Single-Family, Townhome, Condo и Manufactured. Новостройки допускаются. Сборные (заводские) дома допускаются.

Workforce Initiative Subsidy for Homeownership (WISH) помогает покупателям жилья, которые покупают в этом месте: округ Multiple, Arizona.

Заявки на Workforce Initiative Subsidy for Homeownership (WISH) подаются через агентство, которое ведёт программу; агентство публикует действующие условия и порядок подачи на своём сайте. Средства резервируются через Reserved through HSNA on a first-come, first-served basis; HSNA enrolls eligible buyers in WISH via FHLBank San Francisco's Community Investment Portal once a signed purchase contract is in place. 2026 nationwide allocation: $13M (FHLB SF). May be exhausted mid-year. Hey Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.