10/28/2026
Buying a home doesn’t always require 20% down—and eligible buyers may have help with upfront costs. 🏡
Wells Fargo offers programs that could include:
▪️ $10,000 toward your down payment through its Homebuyer Access® grant, with no repayment required.
▪️ Up to $5,000 toward closing costs through its Dream. Plan. Home.® closing cost credit.
▪️ Down payments as low as 3% with certain conventional mortgage options.
The grant and closing cost credit may be combined for buyers who meet both programs’ requirements.
The key word is eligible. Income, location, loan type, and other requirements apply, and these programs aren’t available everywhere. The $10,000 grant is limited to qualifying Wells Fargo fixed-rate conventional loans, and receiving it may have tax implications. Low-down-payment options may also require mortgage insurance, which adds to your monthly payment.
If upfront costs have been holding you back, let’s start a conversation. I can help you plan your home search and connect you with a lender to review eligibility, monthly payments, and total costs—not just the assistance amount.
Miguel Fragoso | REALTOR®
eXp Realty | Serving the Raleigh–Durham Triangle
