The WISH Down Payment Assistance program

The WISH Down Payment Assistance program是面向Multiple，Nevada购房者的补助金。 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. 资金来自Federal和FHLB。

The WISH Down Payment Assistance program属于补助金，因此无需偿还。 触发还款的情形：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. 该援助以Grant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。

The WISH Down Payment Assistance program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：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). 关于信用，该项目说明：640 minimum mid-FICO across all loan products. 须参加购房者教育课程，由Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required - WISH program requires HUD-certified education).提供。 居住要求：Property must be located in Nevada within an FHLB SF member-bank service area (effectively statewide); served as borrower's principal residence. 公民身份或移民身份：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。 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. 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。

The WISH Down Payment Assistance program的房价上限如下：No FHLB SF WISH program-imposed purchase-price cap; subject to first-mortgage product limits. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays)和manufactured home on permanent foundation. 新建房屋符合条件。 预制房屋符合条件。

The WISH Down Payment Assistance program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

The WISH Down Payment Assistance program服务于在Multiple，Nevada购房的购房者。

The WISH Down Payment Assistance program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.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。