NeighborhoodLIFT puts homeownership within reach

Open the doors to homeownership through the NeighborhoodLIFT® program—a forgivable, interest-free down payment loan with no payments, as long as the home is your primary residence and isn't sold, refinanced, or foreclosed, and the title isn't transferred during the five-year period.*

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 your location to learn about eligibility requirements and how to move forward.

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 program?

Give us a call 1-866-858-21511-866-858-2151 Monday – Friday 8:00 a.m. to 5:00 p.m. Central Time

For questions about working with Wells Fargo, email

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-approved lender to learn more.

The amount of down payment assistance varies by market.

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 an approved 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.

The first mortgage can be financed by any NeighborhoodLIFT program-approved lender.

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.