Wisconsin · Deferred 0% loan

WHEDA Capital Access DPA

3% at 0%, no payments for 30 years

Up to 3% of purchase price. 0% interest, no monthly payments, 30-year silent second mortgage.

WHEDA Capital Access provides 3% as a silent deferred second mortgage. No monthly payments. Ideal for buyers who need a small boost to reach their down payment goal without increasing monthly costs.

Amount3% at 0%, no payments for 30 years

TypeDeferred 0% loan

Available inWisconsin

First-time buyer requiredYes

Minimum credit score620

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

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VA Loan $0 down + no monthly mortgage insurance

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NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

WHEDA Easy Close DPA Up to 6% of price, repaid over 10 years

Wisconsin · Second mortgage

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Wisconsin · Subsidized loan

WHEDA Tax Advantage (MCC) Annual tax credit on mortgage interest

Wisconsin · Annual tax credit

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