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WISH

Just good enough to be true

Not sure how to afford your dream home? The WISH program can help.


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What Is It?

WISH from Yolo Federal

Believe it—there are affordable homes out there and, one of them could be yours. If your household income does not exceed 80% of the local median income, you could qualify for up to $30,806 of housing assistance.

Why Yolo Federal

Save for your dreams

  • Reduce your downpayment and monthly housing bills
  • Buy a home in a neighborhood you love
  • Save up to $30,806

FAQs

  • How do I know if I am eligible?

    These are the current eligibility requirements for WISH:

    • The homebuyer has successfully completed a HUD approved homebuyer counseling program.
    • The homebuyer is participating in another Mortgage Assistance Program.
    • The homebuyer must obtain his/her primary mortgage financing from Yolo Federal Credit Union.
    • The household income does not exceed 80% of the HUD Area Median Income (see AMI guidelines below).
  • What is the HUD Area Median Income?

    The income is updated each year. WISH Program Information 2024 includes the current rates.

  • Are there any repayment requirements?

    Potentially. You may be required to return all (or a portion) the WISH grant funds if the home ceases to be your primary residence within 5 years of purchasing the property.

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To qualify for membership, you must live, work, worship, attend school in Yolo, Sacramento, Placer, or El Dorado counties.

To apply for a Home Loan, you must qualify for membership, and the property must be located in Yolo, Sacramento, Placer, or El Dorado counties or within 50 miles of our corporate office. 

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