Cal DPA Down payment help, made plain

FHLB San Francisco WISH

FHLB San Francisco WISH is a 4:1 matching grant from FHLB SF. Coverage: CA, AZ, NV first-time buyers ≤80% AMI. Up to $32,837 toward a home purchase. For first-time buyers. Income limit: ≤80% AMI.

Up to $32,837
Listed as open as of May 2026

Coverage: CA, AZ, NV first-time buyers ≤80% AMI.

First-time buyerRequired
Income limit≤80% AMI
OccupationsCA, AZ, NV first-time buyers ≤80% AMI
Property typesSFR, condo, PUD, manufactured
OccupancyOwner-occupied primary
Eligible loan productsAny
Sales price capNo FHLB cap (per first mortgage)
Repayment5-year retention period; pro-rata recapture if sold
Forgivable100% forgiven at year 5
StackingLayers with CalHFA, GSFA, etc.
Notes2026: $13M committed; max $32,837/HH. Apply through participating member.
Source FHLB SF·official program page·Listed
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.

Provider: FHLB SF · program details at the provider’s site.

Check what you qualify for Ask Cal about your situation

See if FHLB San Francisco WISH fits your purchase

Tell Cal how to reach you and a licensed loan officer will walk through this program, what it stacks with, and what you would actually qualify for. No spam, no list-selling.

More National and multi-state programs