Benefit Summary

Home at Last™ WISH triples the buyer’s down payment contribution up to $15,000


Home at Last™ WISH Program

The Nevada Rural Housing Authority Home at Last™ WISH program is provided in partnership with Nevada State Bank.  WISH triples the down payment contribution of qualified homebuyers up to $15,000. This funding is available on a first come first serve basis for homes that are being purchased in a population below 150,000.  The WISH program works in conjunction with our Mortgage Credit Certificate (MCC) program that can earn the buyer tax credits throughout the life of their loan. Ask your Nevada State Bank loan officer if you qualify.

Program at-a-glance:

  • Triples buyer’s down payment contribution up to $15,000
  • Homebuyer must remain in the home for five years or else repay a portion of the grant

Down Payment Assistance Examples:

Example A
Homebuyer contributes $2,000 for a down payment, WISH contributes $6,000 more for a down payment total of $8,000.

Example B
Home buyer contributes $5,000, WISH contributes the maximum $15,000 for a total down payment of $20,000.

Who qualifies:

  • First-time homebuyers (have not owned a home in the past three years) who will live in home as primary residence
  • Households meeting income qualifications and normal FHA, Conventional or USDA underwriting requirements
  • Home price falls below these maximum prices
  • Must be a household that lives and/or works for a minimum of 6 months in the State of Nevada
  • Homebuyer must stay in home 5 years (or repay portion of grant)
  • Homebuyer must complete a homebuyer counseling program
  • Must be an arms length transaction

Getting started:

To qualify for Home at Last™ WISH, contact a Nevada State Bank loan officer:

Carson City (775) 461-7256

Elko (775) 748-5050

Las Vegas (702) 647-6460 (702) 440-4303

Reno (775) 689-8383

To get enrolled into the program gather the following documents and contact Financial Guidance Center at:

Contact Lucy Powell with Financial Guidance Center at:
3100 Mill Street, Ste 111
Reno, NV 89502

  • Last three consecutive paystubs for all members of household over 18
  • Three months of bank statements for all members of household over 18
  • Proof of other income (social security, child support, unemployment)
  • Zero Income Document for all persons 18 or older not employed, notarized last three years of tax returns for all adults in household, signed & dated
  • Signed 2012 & 2013 Account & Tax Transcripts for all adults in the household. For instructions on how to order your transcripts click here.
  • 2012 & 2013 W2's for all adults in the household
  • Signed Homebuyer Education Certificate for each person listed on mortgage (See class information to right)
  • Preapproval letter from lender

If self employed:

  • Profit & Lost (click to download) completed to date for current year
  • 3 years tax returns for business, unless buyer uses own social security number

For questions regarding the program, please contact the HAL Team at 775-887-1797.  Be sure to ask your Nevada State Bank loan officer about coupling the WISH program with a Home at Last Mortgage Credit Certificate!


Request More Information

By clicking Request Info, you give Nevada Rural Housing Authority the permission to contact you via the provided information.