FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)是面向California购房者的补助金。 4-to-1 matching grant up to $32,837 (2025 FHFA maximum) for eligible low-income first-time homebuyers. $12M allocated for 2025. Delivered through FHLBank SF member financial institutions. Funds applied to down payment and closing costs. Must be at or below 80% AMI. Up to $32,837 in assistance. 资金来自Federal Home Loan Bank。

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)属于补助金，因此无需偿还。 触发还款的情形：Repayable if not owner-occupied within specified period。 该援助以Second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。

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 关于信用，该项目说明：Contact lender for current credit score requirements。 须参加购房者教育课程，由HUD-approved homebuyer counseling required提供。 居住要求：Primary residence in AZ, CA, or NV。 公民身份或移民身份：U.S. citizen, permanent resident alien, or other eligible non-citizen。 $32,837 maximum subsidy (4:1 match of borrower savings). Available through FHLBank SF member institutions. Annual competitive allocation. Must be first-generation homebuyer or live/work in low-income census tract.

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)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。 80% AMI; 4-person limit ~$99,650 (2026 CA statewide estimate). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)的房价上限如下：Contact program for current purchase price limits。 符合条件的房屋类型包括Single-family (1-4 unit), FHA-approved condominium, townhome/PUD。 新建房屋符合条件。 预制房屋不符合条件。

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)服务于在California任何地方购房的购房者。

FHLBank San Francisco WISH Program (Workforce Initiative Subsidy for Homeownership)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Contact provider directly; subject to funding availability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。