Assistance program · Wisconsin
WHEDA Easy Close Advantage DPA
Wisconsin state agency second mortgage for the down payment: up to 6% of the price, over 10 years with a monthly payment and the same rate as the WHEDA first mortgage
At a glance
- Most it gives, per the source
- Up to 6% of the price
- What its page says; your amount depends on the price and the loan.
- Kind of help
- Repayable
- Second loan with monthly payments
- First-time buyer?
- Not stated — ask
- The source does not say whether you must be a first-time buyer
- Checked
- November 5, 2026
- Against the program's official page.
Type of help
What it is
- Second loan with monthly payments
What it gives
Up to 6% of the price
Source text
Maximum loan amount is 6% of the purchase price when partnered with a WHEDA Conventional first mortgage loan. … 10-year fixed rate second mortgage with monthly payment. … Interest rate is same as first mortgage A summary of what the program publishes; not a loan offer or advice. Amounts, limits and funding change without notice.
At a glance
Who qualifies
Each answer comes from the program's page. "Not stated — ask" means its page doesn't make it clear: ask before you apply.
Source text
Both WHEDA Down Payment Assistance programs can be used with either WHEDA first mortgage program. … Total Household Compliance Income limits apply based on WHEDA first mortgage. - First-time buyers only Not stated — ask
- Homebuyer course required Not stated — ask
- Minimum credit score Not stated — ask
- Income limit Per the program table (by county and household size)
- Price limit Per the program table
- Mortgages it works with FHA, Conventional
- Immigration requirement Legal residence in the U.S., per the source
- Accepts ITIN? No
- Spanish materials Yes
- Program status The source does not say whether it is open — ask
- Where it applies All of Wisconsin
What its page says about being open
Its page does not say whether the program is open or has funds. Ask the lender or the agency before counting on it. Read on the official page on November 5, 2026.
Your area in numbers
What buying costs in Wisconsin
The program covers all of Wisconsin. The first column is Wisconsin's figure; the second runs from the lowest to the highest among its counties. Limits change by county: check yours.
The program sets its maximum price in a table. Compare it with the typical home value in Wisconsin: $266,500.
The typical home value ($266,500) fits within Wisconsin's FHA limit ($541,287).
The program sets its income limit in its own table. For reference, HUD's low-income limit for 4 people in Wisconsin is $77,050.
| Figure | Wisconsin | Lowest to highest | Source |
|---|---|---|---|
| Typical home value | $266,500 | $110,200 (Menominee County) to $398,200 (Waukesha County) | U.S. Census Bureau |
| FHA limit (one-unit home) | $541,287 | $541,287 (Adams County) to $552,000 (St. Croix County) | HUD |
| Conforming limit (one-unit home) | $832,750 | $832,750 in all 72 counties | FHFA |
| HUD low income (80%), household of 4 | $77,050 | $76,800 (Adams County) to $106,800 (Dane County) | HUD |
Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024) · FHA mortgage limits (HUD) (2026 data) · Conforming loan limits (FHFA) (2026 data) · Income Limits (HUD) (Fiscal year 2026)
Step by step
How to use it, step by step
Each step comes from what the program's page says. What its page leaves out is further down, in the questions.
Find a participating lender-
Ask first whether it is open
Its page does not say whether it is open or still has funds. That is the first thing to ask.
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Find your county in the income table
The limit changes with the county and the number of people in your household. Count the income of everyone the program asks you to add.
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Check your county's maximum price
The program sets a maximum price per county in its table.
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Pick a mortgage it works with
According to its page, the help is used together with a FHA and Conventional loan. Each loan type has its own requirements.
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Find a participating lender: state programs do not take applications directly; the lender reserves the assistance while processing your mortgage.
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Compare the total cost before you sign
Ask about the total cost. The mortgage with assistance may carry a higher rate than without it, and some programs charge for the course or a fee.
Before you call
What to ask
Its page leaves 4 points unclear. Write them down for when you talk to Wisconsin Housing and Economic Development Authority.
What its page does not say
- Is it open now, and does it still have funds?
- Is it only for first-time buyers?
- Do you require a homebuyer course? Which ones do you accept, and what do they cost?
- What minimum credit score do you require?
Worth asking for this kind of help
- What rate and monthly payment does the second loan have?
Against the others
How it compares with Wisconsin's other programs
The 2 programs we checked in Wisconsin, with the same fields from their official pages. "Doesn't say" means its page does not make it clear.
It is the only one of Wisconsin's 2 programs whose page does not say whether you must be a first-time buyer. It is one of 2 out of 2 that publish an amount with the figure in their own wording. It is the only program in Wisconsin on our list with "repayable" help.
Swipe the table to see every column.
| Program | Kind of help | Published amount | First-time buyers only | Course required | Accepts ITIN | Where it applies |
|---|---|---|---|---|---|---|
| WHEDA Easy Close Advantage DPAthis program | Repayable | Up to 6% of the price | Doesn't say | Doesn't say | No | Statewide |
| WHEDA Capital Access DPALimited funds remain, per the source | Deferred | $7,500 | No | Doesn't say | No | Statewide |
Sources
How we checked this program
We read the program's official pages on November 5, 2026 and copied their text as it appears on them. We add no amounts or requirements those pages do not state, and a program is listed as open or closed only when its page says so.
We check every program again. If more than 180 days pass without a check, the page says so.
Get free help applying
A HUD-approved housing counselor explains the program's requirements, goes over your numbers and tells you what to ask the lender. They do not sell loans.
Find a counselor (HUD)Read before you apply
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Help and programs
Down payment assistance: how it works
What down payment assistance is, the types that exist (grant, forgivable or deferred second loan, tax credit), who qualifies and where to find it.
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Mortgage loans
FHA loan: down payment, insurance, limits and who qualifies
How an FHA loan works: the down payment and credit score HUD requires, MIP mortgage insurance, your county limit, the home and the residency rules.
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Mortgage loans
Conventional loan: 3% down, PMI and credit scores
How a conventional loan works: HomeReady and Home Possible from 3% down, the credit score Fannie Mae requires, PMI and when the law ends it.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.