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WISH Grant for First-Time Homebuyers

WISH Grant for First-Time Homebuyers

The WISH grant program offers eligible low- to moderate-income households 4-to-1 matching grants of up to $30,806 in 2024, that can be applied to down payment and closing costs for the purchase of a home.

WISH grants can help first-time homebuyers overcome the biggest barrier to homeownership: down payment and closing costs. Targeted to individuals and families earning up to 80% of the area’s median income, these programs match $4 for every $1 a homebuyer contributes toward the purchase of a home. 

To be eligible for WISH Program funds, the homebuyer must:

  • have successfully completed a homebuyer counseling program.
  • be a first-time homebuyer, as defined by the Bank  
  • meet income eligibility guidelines, as published by the Bank at the time of enrollment in the WISH Program and be at or below 80% of the HUD area median income.

Homebuyer Contribution:

  • WISH Program contributions can include savings, gift funds, or sweat equity.
  • May also include Individual Development Accounts (IDA) and Family Self Sufficiency (FSS) program savings.


Now’s the time to rethink your homeownership journey and First Northern Bank can help.  Give us a call at (530) 297-3901 or email [email protected]

There's no time like the present to get started!