The Workforce Initiative Subsidy for Homeownership (WISH) Program provides grants to qualified homebuyers living in high-cost areas to enable them to purchase homes near their work. Under the WISH Program, the bank will provide up to $15,000 per household, matching up to $3 for every dollar contributed by the homeowner toward the purchase of the home. WISH funds must be used only toward down payment or closing costs in connection with the purchase of a housing unit to be used as the homebuyer’s primary residence. Terms for participation include: completion of a mortgage assistance program administered by a public or private entity; a household income of the homebuyer at 80% or less of the HUD area median income; contribution of at least 1% of the purchase price from their own funds; and completion of an approved homebuyer counseling program. For information on the Federal Home Loan Bank of San Francisco

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