NeighborhoodLIFT® program FAQs

We know this process can feel a little overwhelming. We're here to help. You can find answers to frequently asked questions about the NeighborhoodLIFT program below.

Want to speak to someone about the program?

Send us an email at LIFT@wellsfargo.com

Have a local Wells Fargo Home Mortgage consultant contact you


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

2. These income limits are effective as of July 6, 2021, and are set by the Federal Financial Institutions Examination Council (FFIEC). They are subject to change each year or at any time that the FFIEC deems appropriate.

3. The Dream. Plan. Home.SM closing cost credit may help eligible consumers purchasing their primary residence. The credit is designed for consumers with income at or below 80 percent of the area median income (AMI) in certain areas. The closing cost credit is not available with all loan types. Please speak with a home mortgage consultant for details.

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 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.

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.