The WISH Down Payment Assistance program

Ang The WISH Down Payment Assistance program ay isang grant para sa mga bibili ng bahay sa 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. Ang pondo ay mula sa Federal at FHLB.

Ang The WISH Down Payment Assistance program ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may 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. Nakatala ang tulong bilang lien sa posisyong Grant. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang The WISH Down Payment Assistance program sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": 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). Tungkol sa credit, sinasabi ng programa: 640 minimum mid-FICO across all loan products. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required - WISH program requires HUD-certified education). Requirement sa paninirahan: Property must be located in Nevada within an FHLB SF member-bank service area (effectively statewide); served as borrower's principal residence. Citizenship o katayuan sa imigrasyon: 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.

Nililimitahan ng The WISH Down Payment Assistance program ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. 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. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng The WISH Down Payment Assistance program ang presyo ng pagbili: No FHLB SF WISH program-imposed purchase-price cap; subject to first-mortgage product limits. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) at manufactured home on permanent foundation. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng The WISH Down Payment Assistance program ang mga beterano, mga miyembro ng militar na nasa aktibong serbisyo, mga reservist at miyembro ng National Guard, at mga naiwang asawa sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng The WISH Down Payment Assistance program ang mga bibili ng bahay sa Multiple, Nevada.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa The WISH Down Payment Assistance program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng 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. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.