NeighborWorks HomeOwnership Center Sacramento Region is proud to be part of the NeighborhoodLIFT program in collaboration with Wells Fargo and NeighborWorks America. Discover the possibilities of homeownership and find out if it’s right for you!

**We currently do not have any funds for the NeighborhoodLIFT Program. If and when we do, we will update this section with information.  

NOTE: Appointments CANNOT be made by phone.

Check availability by clicking here.

You MUST complete your EDS appointment at least 21 calendar days prior to your closing date.

Program Information

  • Provides eligible homebuyers with $20,000 in down payment assistance on qualified properties ($22,500 for veterans and service members, teachers, law enforcement officers, firefighters and emergency medical technicians
  • Provides homebuyer education that will prepare you for finding and financing a home and for managing the financial responsibilities of homeownership
  • Assistance is not limited to first-time buyers
  • Borrowers’ annual income in combination with household size must be at or below the income limits set for the program in Sacramento County or West Sacramento. 
  • Properties qualified for the program must be:
  1. Located in Sacramento County or the city of West Sacramento.
  2. The primary, owner-occupied home of the buyer(s)
  3. A single-family home (attached or detached), 2- 4-unit home, condominium, townhome, PUD, co-op, land trust or qualified manufactured home

Eligibility Quiz


  1. Do you have a signed purchase and sale agreement on a home located in Sacramento County or the city of West Sacramento?
  1. Do you have a Mortgage Preapproval from an approved NeighborhoodLIFT lender?

If You Answered YES to Both Questions, Click Here!
If You Answered NO to Either Question, Click Here!

You Answered YES to Both Questions

To start the application process for NeighborhoodLIFT down payment assistance, you will need to make an appointment to assess your eligibility for the program. You should schedule your Eligibility Determination Session (EDS) appointment at least 30 calendar days prior to your closing date. Please note that you MUST complete your EDS appointment at least 21 calendar days prior to your closing date. Please keep this in mind when scheduling your appointment. All borrowers who are on the loan must attend the EDS. Please read and follow the instructions below to make an appointment.

Get Started

  1. Signup Online Here Appointments are only available online on a first-come, first-served basis. Appointment slots are limited to funds available. NOTE: Appointments CANNOT be made by phone. Detailed instructions on how to sign up can be found here.  No Funds Available:  
  2. The number of available appointments matches the currently available funds. Once these appointments are filled, the only open appointments will come as the result of a cancellation. No waiting list will be kept—buyers should check the registration site frequently for any new availability.
  3. Submit the three (3) required documents below within 24 hours of making your appointment. Documents must be submitted to PLEASE INCLUDE YOUR FIRST AND LAST NAME IN THE SUBJECT LINE OF THE EMAIL. Failure to submit these documents within 24 hours or incomplete documents will automatically cancel your appointment. You will need to be able to submit electronic copies of the following documents:
  4. Reservation letter from the May 31-June 1 event (REQUIRED)
  5. Mortgage Preapproval from a NeighborhoodLIFT Approved Lender (REQUIRED)
  6. Signed purchase and sale agreement, (signed by all parties) (REQUIRED)
  7. Homebuyer education certificate, if it was completed within the past 12 months (note: successful completion of the eight-hour HBE course is required prior to closing)

 Your lender or real estate professional may be able to assist you with submitting these documents online.

  1. We will confirm scheduled appointment requests within 48 business hours from receipt of all documents. You will receive an email accepting the scheduled date and time—the email will state that your “appointment was accepted.” This is NOT a confirmation of your eligibility for the program.
  2. If you fail to submit all required documents within 24 hours, your appointment request will be cancelled. If you submit only partial documentation, your appointment request will be cancelled. You will receive an email letting you know your appointment request was cancelled.
  3. Attend your appointment to confirm eligibility and upload the necessary documents at least 72 hours prior to your appointment date and time. If you fail to upload these documents or fail to show up for your appointment, your appointment will be cancelled and you will be required to schedule a new appointment if/when appointments become available.
  4. You will receive a NeighborhoodLIFT Eligibility Letter if you meet the eligibility requirements and your required documentation is confirmed. This typically happens within three business days of your Eligibility Determination Session.
  5. Your lender must submit all required documents to NW Sacramento no less than 14 calendar days prior to your closing date.

For more information, please see our FAQ section below.

You Answered NO To One or Both of these Questions


If you have not completed the required steps for an appointment, NeighborWorks Sacramento can help you work toward homeownership. NOTE: Completing the required steps does not guarantee an appointment.

  1. Get pre-approved for a mortgage by an approved participating lender.
  2. Find a house you want to buy and get a signed purchase and sale agreement to purchase that house. You must be in contract and have a signed purchase and sale agreement in hand to apply for NeighborhoodLIFT funds.
  3. Register for homebuyer education.
  4. Explore other homebuyer programs in your area that can be combined with LIFT.

For more information, please see our FAQ section below.



Program Overview

NeighborhoodLIFT funds are provided as a five-year forgivable loan program for owner-occupied properties. As long as the borrower resides in the home, the loan will be forgiven at 20 percent each year on the anniversary date of settlement. If the house is no longer a principal residence or the property is transferred, repayment of the balance of funds will be immediately due. If you qualify for the military benefit, check with NeighborWorks Sacramento on repayment terms.

Yes. Income limits are set for each market for NeighborhoodLIFT funds. The income limits are calculated based on borrower income in connection with household size. View Income Limits at
View First Responder, Military & Teacher Benefit Information at

You may be required to make an additional down payment contribution from your own funds if your ‘remaining liquid assets’ at the time of your eligibility determination session will exceed $20,000.

‘Remaining liquid assets’ are defined as your available funds in bank accounts such as checking, savings or money market accounts that are readily accessible without withdrawal restrictions or penalties after you have met any out-of-pocket settlement requirements from your own funds.

Liquid assets do not include Retirement Accounts (such as 401(k), IRA or pension accounts), Investment Accounts (such as stock, bond or mutual funds), Certificates of Deposit (CDs), Business Checking or Savings Accounts.

Liquid asset determinations and contribution requirement estimates are made at the time of your Eligibility Determination Session. Liquid asset funds that are subsequently transferred to restricted accounts after your Eligibility Determination Session will not be excluded from contribution calculation requirements.

Homebuyer education is an eight-hour class that teaches about the home buying process. Homebuyer education must be provided by a HUD-Approved Housing Counseling Agency that has adopted the National Industry Standards for Homeownership Education and Counseling. View Homebuyer Education here.

No. Only homebuyer education certificates from HUD-Approved Housing Counseling Agencies that have adopted the National Industry Standards are eligible for NeighborhoodLIFT funds.

Yes, if you currently own a home but will be selling it prior to closing on the NeighborhoodLIFT property, you can still be eligible for the program. At the time of closing you may not own any additional properties including investment properties.

Short sale properties are eligible for the program. The purchase agreement for the short sale property must be signed by the buyer and the seller to apply for NeighborhoodLIFT funds. The lender (lien holder of short sale property) must ratify the agreement prior to closing. NeighborhoodLIFT funds can be used in connection with the financing of a Wells Fargo short sale but only if Wells Fargo is not the new first mortgage lender on the short sale purchase. Another lender must originate the new first mortgage loan.

NeighborhoodLIFT down payment assistance funds may be used for any eligible purpose including closing cost assistance, down payment assistance, or borrower minimum out-of-pocket investment if allowed by the first mortgage loan program. NeighborhoodLIFT funds may cover the closing costs or out-of-pocket requirements of an FHA first mortgage or other type of first mortgage loan; however, for an FHA mortgage the borrower must still provide their own 3.5% down payment.  You should consult directly with your first mortgage lender and NeighborWorks Sacramento to determine how NeighborhoodLIFT program funds may be used in connection with your home purchase.

Yes. There may be several programs eligible for layering incentives together with NeighborhoodLIFT funding. Programs sponsored by local municipalities or the state of California could potentially be included. For information on other incentive programs, contact NeighborWorks Sacramento.

Eligibility for each program is determined by the program administrators. Contact them directly to participate in their programs.

Yes. Wells Fargo REO (real estate owned) properties are not eligible for NeighborhoodLIFT funds. To learn if a property is a Wells Fargo REO click here

Following the NeighborhoodLIFT event, clients who receive an allocation of funds will have 60 days to obtain a contract on a home and submit the required documents to NeighborWorks Sacramento. Clients who do not complete all of these steps will lose their NeighborhoodLIFT allocation. Clients are encouraged to submit the documents following the NeighborhoodLIFT event as soon as they are available. Please note successful completion of the eight-hour HBE course is required prior to closing.

Once a buyer has an executed contract, they should request an Eligibility Determination Session. Borrowers should complete their Eligibility Determination Session no less than 21 calendar days prior to the closing date listed on their purchase and sale agreement. Even if a borrower has a purchase and sale agreement, no closings may take place before July 1, 2019. Once a borrower is determined to be eligible, a commitment letter will be issued with a copy sent to the first mortgage lender. The first mortgage lender will then prepare documents for closing and provide copies of the required documents to NeighborWorks Sacramento at least 14 calendar days prior to closing. NeighborWorks Sacramento will then have all documents prepared for the closing.

No. Extensions are only available for clients who have met the program requirements and are preparing for settlement.

It depends on which step the client is in the process. If this happens the client should follow up with NeighborWorks Sacramento directly.

Clients who are not able to qualify for a loan will be offered financial fitness classes and counseling following the event. The classes and counseling are designed to help prepare clients to get approved for a first mortgage. Financial fitness classes provide information on how to manage income and create a budget based on that income, how to save, how to obtain a credit report, as well as how to apply for and use credit. Contact NeighborWorks Sacramento to find out if there is a fee for these classes.

Licensed by the California Department of Business Oversight under the California Residential Mortgage Lending Act

License #417-0042