Workforce Initiative Subsidy for Homeownership (WISH)

Workforce Initiative Subsidy for Homeownership (WISH)是面向Multiple县，Arizona购房者的可免除贷款。 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. 资金来自FHLB和Federal。

Workforce Initiative Subsidy for Homeownership (WISH)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Sale, transfer, cash-out refinance, foreclosure, deed-in-lieu, or loss of owner-occupancy during the 5-year retention period。 该援助以Recorded retention deed restriction (not a traditional subordinate lien); first mortgage remains in 1st position.顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Workforce Initiative Subsidy for Homeownership (WISH)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：First-time-homebuyer rule waived for displaced homemakers and single parents per FHLB definition. 关于信用，该项目说明：No published WISH-specific minimum; first-mortgage lender's credit standards apply. 须参加购房者教育课程，由Housing Solutions of Northern Arizona提供。 居住要求：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)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 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. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Workforce Initiative Subsidy for Homeownership (WISH)可用于Single-Family、Townhome、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

Workforce Initiative Subsidy for Homeownership (WISH)服务于在Multiple县，Arizona购房的购房者。

Workforce Initiative Subsidy for Homeownership (WISH)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过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.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。