Down Payment Assistance

Homebuying Made More Affordable

Buying a home is a big step—we’re here to help make it easier. Heritage Community Credit Union offers down payment assistance programs* designed to help you get into your new home sooner.

Which program is best for you

 

WISH Program

Designed for low- to moderate-income homebuyers, the WISH Program provides down payment assistance to help make homeownership more attainable.

 

 

Eligibility:

Household income must be at or below 80% of the HUD Area Median Income (AMI).

 

 

Learn More

Middle Income Down Payment Assistance

This program supports homebuyers who may not qualify for traditional assistance but still need help with upfront costs.

 

Eligibility:

Household income must be between 80.01% and 140% of the HUD Area Median Income (AMI).

 

Learn More

Not sure which option is right for you?

Our team is here to guide you every step of the way.
Mortgage Lending Consultant, Patricia Jacobs
Email: [email protected]
Telephone: 916-212-9375
NMLS ID 1242505 | HCCU NMLS ID 454785

 

*Down payment assistance programs are offered through third-party providers and are subject to availability, funding limits, and program guidelines. Eligibility requirements, including income limits, may change without notice. Heritage Community Credit Union cannot guarantee approval or availability of these programs. All applications are subject to review and approval.