: A specialized, lower-interest rate loan specifically for eligible U.S. military veterans. Bridging the Gap: Down Payment Assistance (DPA)
: Backed by the Federal Housing Administration, this 30-year fixed-rate option is often easier to qualify for but requires a slightly higher credit score of 640 through WHEDA.
: A "silent" 30-year loan with 0% interest and no monthly payments . You only repay it if you sell, refinance, or finish your first mortgage. As of January 15, 2026, this program is available on a limited basis for qualifying borrowers. City-Specific Opportunities
: Zero down payment and no monthly mortgage insurance for veterans and active service members.
: A 30-year fixed-rate mortgage for single-family homes, condos, or even manufactured homes. It requires a minimum credit score of 620.
Don't overlook federal programs that can be used across the state:
: Nearly all WHEDA and local grant programs require a Homebuyer Education Course .
Most buyers struggle most with the initial cash needed at the closing table. WHEDA offers two main ways to cover these costs:
: A specialized, lower-interest rate loan specifically for eligible U.S. military veterans. Bridging the Gap: Down Payment Assistance (DPA)
: Backed by the Federal Housing Administration, this 30-year fixed-rate option is often easier to qualify for but requires a slightly higher credit score of 640 through WHEDA.
: A "silent" 30-year loan with 0% interest and no monthly payments . You only repay it if you sell, refinance, or finish your first mortgage. As of January 15, 2026, this program is available on a limited basis for qualifying borrowers. City-Specific Opportunities wisconsin home buying programs
: Zero down payment and no monthly mortgage insurance for veterans and active service members.
: A 30-year fixed-rate mortgage for single-family homes, condos, or even manufactured homes. It requires a minimum credit score of 620. : A specialized, lower-interest rate loan specifically for
Don't overlook federal programs that can be used across the state:
: Nearly all WHEDA and local grant programs require a Homebuyer Education Course . : A "silent" 30-year loan with 0% interest
Most buyers struggle most with the initial cash needed at the closing table. WHEDA offers two main ways to cover these costs: