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W.I.S.H. Program

Down Payment Assistance

The WISH (Workforce Initiative Subsidy for Homeownership) Program is an initiative which provides  between $16,000- $22,000 in matching funds to qualified, low-income residents to be used towards down payment or closing costs. These funds help assist eligible, first-time homebuyers with the purchase of an affordable home, promoting homeownership.

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Key Benefits

✔ 4 to 1 matching grant 
✔ $22,000 maximum match per household
✔ 100% Forgiven after 5 years (if you stay in your home)
✔ Can be applied toward down payment/closing costs
✔ No minimum credit score requirement


✔ Must be a first-time homebuyer (have not owned a home in the past 3 years)
✔ Income limit subject to 80% of county median
✔ Must live in home as primary residence
✔ Successful completion of homebuyer education course
✔ The housing ratio maximum is 35%, debt ratio is 45%
✔ Homebuyer Contribution: $2,000 or 1% of the purchase price (which is greater)
✔ Must qualify for traditional mortgage
✔ Funds available on a first-come, first-served basis
✔ Additional program overlays may apply

HUD Income Limits 2020

For Clark County

(80% of Median Income)

Household of 1 = $42,000
Household of 2 = $48,000
Household of 3 = $54,000
Household of 4 = $60,000
Household of 5 = $64,800
Household of 6 = $69,600
Household of 7 = $74,400
Household of 8 = $79,200

This down payment assistance program requires a home loan mortgage approval. Find out if you are approved by applying:

Home Loan Down Payment Assistance Programs:

Home Is Possible™
Down Payment Assistance

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HIP For Heroes™
Below Market Rate

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HIP For Teachers™
Down Payment Assistance

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HIP For First-Time Homebuyer
Down Payment Assistance

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Home At Last™
Down Payment Assistance

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Culinary & Bartenders Housing Partnership
Down Payment Assistance

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W.I.S.H. Program
Down Payment Assistance

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WE Lending DAP
Down Payment Assistance

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For more information about mortgage related programs

Get in contact with our home loan mortgage lending experts

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