1Limited time offer that is subject to change and/or terminate at any time. The Workforce Initiative Subsidy for Homeownership (WISH) is a first-time homebuyer program that provides a one-time 4:1 matching grant to assist with down payment and closing costs.
For example, a homebuyer who contributes $8,000 may qualify for a $32,000 grant. The maximum grant amount in 2025 is $32,099.
The maximum eligible loan amount is $806,500. The buyer’s contribution may come from household savings and/or gift funds. Funds from other grants, credits, or concessions related to the transaction do not count toward the buyer’s required contribution.
To be eligible, the buyer must meet the Federal Home Loan Bank’s (FHLB) definition of a first-time homebuyer and have a household income at or below 80% of the HUD area median income, based on the location of the property and adjusted for household size. The home must be used as a primary residence, and the buyer must complete an approved homebuyer education course. The grant may be forgiven after five years of continuous occupancy.
Income limits vary by county. Sacramento Credit Union serves El Dorado, Placer, Sacramento, Solano, Sutter, Yolo, and Yuba counties. Please contact us for income limits specific to your county.