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The NeighborhoodLIFT® Program

Need money for a down payment to help you buy a home of your own?

Homeownership is possible even if you don’t have a lot of savings for the out-of-pocket costs that come with a home purchase.

Funded by the Wells Fargo Foundation and managed by NeighborWorks® America and other nonprofit organizations, the NeighborhoodLIFT program helps eligible homebuyers by providing money for down payments.

This program could help you buy a home of your own by reducing the strain of a down payment and closing costs. You may be eligible even if this isn’t your first home purchase.

How NeighborhoodLIFT helps with the down payment

The NeighborhoodLIFT program reduces out-of-pocket costs when buying a home by providing forgivable, interest-free down payment loans with no required payments. Eligible homebuyers use the money from these loans for the down payment and closing costs of a home mortgage.

How does the forgivable loan work? The homebuyer is required to live in the home as a primary residence for at least 5 years. The down payment loan does not need to be repaid – meaning it is forgivable – as long as the home isn’t sold, refinanced, or foreclosed, and the title isn’t transferred during that time.

Eligible homebuyers need to complete HUD-approved homebuyer education, and the home must be located in a designated NeighborhoodLIFT area.

Homebuyers may select to work with Wells Fargo or any NeighborhoodLIFT-approved lender for their home financing needs.

Take the first step

Learn about homeownership, the NeighborhoodLIFT program, and see if you qualify for down payment assistance.

Why choose Wells Fargo for your
home mortgage?


Put our experience to work – we’re a leading mortgage lender with options to fit your needs.



You’re not in this alone. We’ll help find a loan that’s right for you and guide you all along the way.

Ongoing support

It doesn’t end when you get the keys – we’re here for you as you grow into your new home.