Wells Fargo Homebuyer Access

Wells Fargo's mortgage options aim to make homebuying more affordable by offering conventional fixed-rate loans with as little as 3% down, plus options to use gift funds and down payment assistance. The Dream. Plan. Home. mortgage targets buyers at or below 80% of area median income and with limited credit history, potentially lowering rates and mortgage insurance and enabling lower down payments. Additional programs include the Homebuyer Access grant (up to $10,000 toward the down payment) and Dream. Plan. Home. closing cost credit (up to $5,000), along with FHA and VA loans and prequalification tools to evaluate eligibility.

AI named Wells Fargo Homebuyer Access in July 2026.