Homeownership is within reach

Discover the NeighborhoodLIFT® down payment assistance program.

Open the doors to homeownership - even if you don't have enough savings to cover the out-of-pocket expenses that come with buying a home.

The NeighborhoodLIFT® down payment assistance program provides a forgivable, zero-interest down payment loan with no required payments (see the "How does the forgivable loan work" dropdown for more information). Eligible homebuyers use the money from this loan for the down payment and closing costs   of a home mortgage loan.

Managed by NeighborWorks® America with support from the Wells Fargo Foundation, this program offers down payment assistance   and requires homebuyer education  . Plus, unlike many other similar programs, you don't have to be a first-time homebuyer to qualify.

Where are you looking to buy?

Select a participating area below to learn about eligibility requirements and how to move forward with the application process.

The NeighborhoodLIFT program is currently only available in the above areas. If you’re not in these areas and looking to purchase a home, see how Wells Fargo can help you find other mortgage products or down payment assistance programs. Learn more.

Want to speak to someone about the NeighborhoodLIFT program?

Send us an email at LIFT@wellsfargo.com

Have a local Wells Fargo Home Mortgage consultant contact you

Get more details at our FAQs page


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* There are some instances where a refinance or title transfer would not require repayment. Talk to a NeighborhoodLIFT program-approved lender to learn more.

1. Research conducted using credit bureau data provided by Experian has shown that homebuyers who receive NeighborWorks homebuyer education and counseling are 30 percent less likely to get into trouble with their mortgage, making homeownership more sustainable over time (Mayer and Temkin, 2013).

Customers can work with any NeighborhoodLIFT program-approved lender for their home financing needs.

The amount of down payment assistance varies by area.

Combined income for all borrowers on the loan cannot exceed the program income limits.

Down payment assistance cannot be used to purchase bank-owned properties managed by Wells Fargo Premiere Asset Services.

Customers must complete a qualified homebuyer education program prior to requesting down payment assistance funds.

The NeighborhoodLIFT® program is a collaboration between Wells Fargo Bank, N.A., Wells Fargo Foundation, and NeighborWorks® America, an independent nonprofit organization.

Employees of Wells Fargo and NeighborWorks America are not eligible to participate in the LIFT programs. This limitation also applies to an employee's immediate family, including spouses and dependent children, where the employee would have beneficial ownership of the property purchased using the assistance.