Grants, forgivable loans, and subsidized mortgages — many Wisconsin buyers qualify for thousands+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to 6% of purchase price as 10-year fixed-rate second mortgage. Same rate as first mortgage.
Second mortgageHouse-hack eligibleUp to 3% of purchase price. 0% interest, no monthly payments, 30-year silent second mortgage.
Deferred 0% loanHouse-hack eligible30-year fixed rate with no PMI. Works on single-family and 2-4 unit properties. Pairs with DPA.
Subsidized loanHouse-hack eligibleFederal tax credit on mortgage interest. Saves hundreds per year for the life of the loan.
Annual tax credit3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 4 state-specific programs and 7 federal programs available in Wisconsin, totaling 11 programs.
Not all programs require first-time buyer status. Several Wisconsin programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.