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WISH Down Payment Assistance

Taking you all the way home
Ready to make a move? With the WISH program, you could qualify for a 3 to 1 down payment match.
Down payment match
First-time homebuyers
Competitive rates
Low closing costs
Becoming a homeowner is really exciting, but the process can also be a bit overwhelming. With Deer Valley Credit Union and the Workforce Initiative Subsidy for Homeownership (WISH) program, qualified homebuyers1 can receive a match of up to $15,000 for their down payment. For each dollar you put toward a down payment, a match of $3 is provide by WISH grant funds. To qualify, you:
  • Must be a first-time homebuyer2
  • Meet the income eligibility requirements listed below
  • Meet qualifications for a DVCU home loan3

Annual Income Limit

County 1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
Maricopa $38,720 $44,240 $49,760 $55,280 $59,760 $64,160 $68,560 $73,040
Pima $34,000 $38,800 $43,680 $48,480 $52,400 $56,240 $60,160 $64,000
Pinal $38,720 $44,240 $49,760 $55,280 $59,760 $64,160 $68,560 $73,040
Yavapai $34,160 $39,040 $43,920 $48,800 $52,720 $56,640 $60,560 $64,480

Our goal is to make the mortgage process simple from start to finish so you can get you into your new place as soon as possible.

Interested in learning more about the WISH program? Fill out the form below and a DVCU Mortgage Specialist will contact you.

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Membership is required.

2An eligible first-time homebuyer is an individual that has not owned a home within the past three years.

Rates, terms and conditions are subject to change and may vary based on credit worthiness, qualifications and collateral conditions. All loans are subject to approval. For a $200,000 loan with a 20% down payment at 4.68% APR for a 30 year term, the monthly payment would be $827.90 (excluding property tax and insurance); for a $200,000 loan with a 20% down payment at 4.28% APR for a 15 year term, the monthly payment would be $1,206.08 (excluding property tax and insurance). 1% Origination Fee may apply.