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Down Payment Product GuideAffordable Housing Whitepaper Down Payment Product Guide Access grant funds through FHLB Des Moines for down payment, closing costs and homeownership counseling for eligible households with incomes at or below 80% of area median income (AMI). The Value of the DividendAdvances Article The Value of the Dividend As a customer, you have access to our full suite of products and services, education and much more. As a shareholder, you are entitled to a share of the Bank's profits which take the form of a cash dividend as well as a Community Investment Dividend. The Value of MembershipGeneral Article The Value of Membership Are you fully utilizing all of the benefits that come with being a member of Federal Home Loan Bank of Des Moines? Find out now.