Down Payment Assistance Program
First-time homebuyer? You may be eligible for a down payment grant.
DON'T MISS OUT! You may qualify for down payment assistance if you have not owned a home in the last three years and are looking to buy in California, Arizona or Nevada!
| WISH Program1 |
|---|
| Grant up to $32,099 |
| Households at or below 80% Area Median Income (AMI) |
| Household income up to $127,8402 |
KeyPoint can help make your dream of homeownership a reality!
1The Workforce Initiative Subsidy for Homeownership (WISH) is a First-Time Homebuyer Program that offers matching grants to qualified first-time homebuyers. Program provides a one-time 4:1 match of the borrower's contribution towards down payment and closing costs. For example, a borrower must contribute $8,000 to qualify for a $32,000 grant. Maximum grant in 2025 is $32,099; max loan amount $806,500. Borrower contribution can come from household savings and/or gift funds. Other grants and/or credit/concessions from a party of the transaction are not considered homebuyer contribution. Must be first-time homebuyer according to FHLB definition and restricted to households at or below 80% Area Median Income, based on the location of the household's residence and adjusted for household size. To be eligible, participant must occupy property as a primary residence and complete a homebuyer counseling program provided by an experienced organization. Grant may be forgiven after five years of occupancy. 2Income limit applies to person(s) purchasing a home in Alameda and Contra Costa Counties. Other counties have different limits.