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Get Pre-Approved and Check Today’s Rates
WHEDA Advantage Program
Eligible borrowers can receive a reduced interest rate when buying a home in certain rural counties in Wisconsin. These counties are Ashland, Barron, Bayfield, Burnett, Clark, Crawford, Iron, Jackson, Juneau, Marinette, Marquette, Oconto, Rusk, Sawyer, and Trempealeau. Read more
Requirements
- Minimum 620 credit score
- Property must be located in Wisconsin
- Must be your primary residence
- Household income cannot exceed program limits
- The purchase price cannot exceed program limits
- Homebuyer education course required for first-time homebuyers
Eligible Properties
- Single-family homes
- Condominiums
- 2-4 Units
- Manufactured homes (double-wide)
WHEDA Rehabilitation Mortgage Program
Borrowers can buy a home and get a loan for repairs in one loan with the WWHEDA Rehabilitation Mortgage Program. Up to six months of mortgage payments can be financed into the loan while work is being done to the property.
WHEDA Easy Close DPA
- Minimum $1000 loan amount
- Up to 6% of the purchase price when combined with a conventional first mortgage loan
- 10-year fixed-rate second mortgage with a rate the same as the first mortgage
- Maximum HCLTV 105%
WHEDA Capital Access DPA
- Minimum $3,050 loan amount
- Maximum loan amount of 3% of the purchase price or $3,050 whichever is greater
- 30-year fixed-rate mortgage with 0% interest and no monthly payments
- Maximum HCLTV 105%
Statewide and Regional Programs
Programs by City/Town
Getting Started
- Housing counseling agencies – free or low-cost counseling services for buying, renting, defaults, foreclosures, credit issues and reverse mortgages
- Education – learn about buying and maintaining your home
- Predatory lending – beware if you’re buying or refinancing your home; don’t become a victim of unfair lending practices
Buying a Home
- Assistance programs – Resources and programs to help you buy and maintain your home
- HUD homes for sale – Search for a HUD home to purchase at the HUD HomeStore
- Homes for sale – Several federal agencies have properties to sell
- Homeownership vouchers – Some public housing agencies can help you become a homeowner through the Housing Choice Voucher Homeownership Program. Contact your local public housing agency to find out if they are participating in the homeownership program.
Owning and Maintaining Your Home
Other Wisconsin Resources
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