Down Payment Assistance Search

Not all programs can be used together. See 2025 DPA Matrix for more information.

Are you a first-time home buyer?

Some programs consider a first time buyer someone who has not owned a home in the last 3 years.

What is your annual household income?

How many people will be living in your home?

Where are you looking for a home?

City of Madison
Dane County (outside Madison)

Check all locations that apply

Home-Buy the American Dream

The City of Madison provides a mortgage loan (which can be applied to down payment and closing costs as well) of up to $35,000 for properties in the City of Madison. This loan has no monthly payments for eligible buyers. The loan, including shared appreciation, will become due and payable at sale, when the property is no longer owner-occupied, or the first mortgage is refinanced for cash-out purposes not related to home improvement. Purchaser must have a down payment of at least 1% of the purchase price. Minimum housing-to-income ratio of 25%, maximum of 38/55%. Maximum liquid assets after closing less then 12 months of principal, interest, taxes, and insurance; case-by-case exception if no traditional retirement savings. HUD approved education and counseling required. HQS/LBP inspection required. Contact 608-266-4223 (Terri), 608-266-6520, or homeloans@cityofmadison.com.

Home Buyers Round Table DPA

Home Buyers Round Table of Dane County offers a $500 grant toward down payment and closing costs. No payments required.

Downpayment Plus (DPP)

DPP provides down payment and closing cost assistance to low-to-moderate income* homebuyers throughout Wisconsin and Illinois. The first mortgage must be through a Federal Home Loan Bank of Chicago member. Assistance comes in a 0% loan which is forgiven over a five-year period. The maximum loan amount is the lesser of $10,000 or 25% of the first mortgage amount. The purchaser must provide a down payment of at least l% of the transaction amount. Home buyer education is required by a HUD-approved counseling agency or by an online provider approved by FHLBank. Home buyer education is required by a HUD-approved counseling agency. Ask your bank or credit union if they participate. DPP is program offered by Federal Home Loan Bank and its members.

Home Start, Wisconsin Partnership for Housing Development

This program provides down payment and closing cost assistance to low-to-moderate income* homebuyers throughout South Central Wisconsin. The maximum loan amount is $6,000 or 3% of the purchase price, whichever is lower. No payments are required. 0% interest per year. The purchaser must provide a down payment of at least 1% of the purchase price. Funding is limited. Please call (608) 258-5560 x302 or email heatherboggs@wphd.com

Movin' Out Madison Home

Movin’ Out Madison Home provides a mortgage loan (including down payment and closing) for up to $75,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least 1% of the purchase price. Principal and equity share is repaid at resale. Requires a HQS, lead, and third party inspection. Cannot be used together with Home-Buy the American Dream. Available in Madison. Call (608)251-4446, extension 7 or email info@movin-out.org.

Movin' Out Dane County CDBG

Movin’ Out Dane County CBDG provides a mortgage loan (including down payment and closing) for up to $35,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least 1% of the purchase price. Principal and equity share is repaid at resale. Requires a HQS, lead, and third party inspection. Available in Dane County. Call (608)251-4446, extension 7 or email info@movin-out.org.

Movin' Out HCRI

Movin’ Out HCRI provides a mortgage loan (including down payment and closing) for up to $10,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least %500/$1000. Principal and equity share is repaid at resale. Available in all of Wisconsin. Requires a third party inspection. Call (608)251-4446, extension 7 or email info@movin-out.org.

Movin' Out HHR

Movin’ Out HHR provides a mortgage loan (including down payment and closing) for up to $30,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least %500/$1000. Principal and equity share is repaid at resale. Available in all of Wisconsin. Requires an HQS, lead, radon, and third party inspection. Call (608)251-4446, extension 7 or email info@movin-out.org.

WHEDA Easy Close Advantage

Assistance to home buyers who have a WHEDA first mortgage. Do not have to be a first-time homebuyer. Buyers may use the funds for a down payment, closing costs and home buyer education expenses. The minimum loan is $1,000 or up to 6% of purchase price for both Conventional and FHA. The loan term is 10 years with monthly payments, which include interest. No borrower down payment required on a single-family home, warrantable condo & double wide; 3% down payment on a 2-4 unit property. See: www.wheda.com.

WHEDA Capital Access Advantage

Assistance to home buyers who have a WHEDA first mortgage. Do not have to be a first-time homebuyer. Buyers may use the funds for a down payment, closing costs and home buyer education expenses. The maximum loan is $7,500. The loan is 0% interest and is repaid when first mortgage is paid in full, mortgage is refinanced, or house is sold. No borrower down payment required on a single-family home, warrantable condo & double wide; 3% down payment on a 2-4 unit property. See: www.wheda.com.

We're Sorry!

No programs were available, based on the information you provided. Please contact info@homebuyersroundtable.org if you have questions. You will also find more information on down payment assistance programs by attending a Homebuyer Education Seminar. Please check our calendar for upcoming classes.