NeighborhoodLIFT Program & Down Payment | Wells Fargo

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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.

The NeighborhoodLIFT program helps eligible homebuyers by providing money for down payments. You may be eligible even if this isn’t your first home purchase.

Through close relationships with NeighborWorks® America and nonprofit organizations, we may be able to help you buy a home of your own by reducing the strain of a down payment and closing costs.

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 homebuyer education, and the home must be located in a designated NeighborhoodLIFT area.

Take the first step

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

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home mortgage?


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Ongoing support

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