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Bulletins and Notices
January 16, 2020

2020 WISH and IDEA Homeownership Programs

We are pleased to announce the start of the member application period for the Federal Home Loan Bank of San Francisco's 2020 WISH and IDEA first-time homebuyer downpayment assistance programs. The deadline for members to submit an application to participate in this year’s WISH and IDEA programs is February 13, 2020.

Our WISH and IDEA matching grant programs are designed to offer the Bank's member financial institutions an opportunity to support affordable, sustainable homeownership for first-time homebuyers while achieving their own community investment goals. Funding for WISH and IDEA is set aside each year from the Bank's annual AHP contribution, and the grants are made available to individual homebuyers through our members.

Both programs offer eligible low- to moderate-income households 4-to-1 matching grants of up to $22,000 that can be applied to downpayment and closing costs for the purchase of a home. WISH grants help working families and individuals move from renting to owning and can complement or supplement many local, state, and federal homeownership programs and initiatives. IDEA grants help homebuyers who have been saving for the purchase of their first home through an Individual Development Account or by participating in their local housing authority's Family Self-Sufficiency homeownership program or in a lease-to-own program administered by a government entity or nonprofit organization.

Because these first-time homebuyer grants are delivered directly to homebuyers by participating Bank members, only members of the Bank may apply to participate in our annual WISH and IDEA programs. Beginning with the 2020 funding allocation, participating members can request grant funds on a first-come, first-served basis to assist homebuyers who are expected to close or be in escrow on a home purchase by March 31, 2021.

We expect to notify members approved to participate in this year’s program of the total amount of grant funding available for 2020 on or around March 31, 2020. At that time, a list of participating members will be available on the Bank’s website so that potential homebuyers and housing agencies or nonprofits that work with first-time homebuyers can contact a participating member about partnering with them to access our WISH or IDEA programs.

Applications and related program materials for members can be found in the WISH and IDEA program sections of our website at, along with information about homebuyer eligibility for the matching grants. For additional information, please email Community Investment or call (415) 616-2542.