Deferred second loan
First-Time Homebuyer Loan Program (City of Dubuque)
First-time homebuyers · Income limits · Single Family · Duplex
Down payment assistance · Dubuque County
Buying a home in Dubuque, IA
6 Dubuque programs and 9 statewide.Dubuque has 6 programs of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Dubuque addresses
Dubuque’s own programs
Forgivable loan
Eastern Iowa Regional Housing Corporation Housing Trust Fund - Down Payment Assistance
Income limits · Single Family
Assistance grant
Dupaco / Fannie Mae HomeReady Down Payment Assistance
Income limits
Assistance grant
Dupaco R.W. Hoefer Foundation First-Time Homebuyer Grant
First-time homebuyers · Income limits
Down-payment assistance
Dubuque and Jackson Counties Habitat for Humanity Homeownership Program
New construction · Income limits · Single Family
Deferred second loan
Washington Neighborhood Homebuyer Loan Program (City of Dubuque)
Income limits · Single Family · Duplex
The Dubuque marketThe Dubuque housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Dubuque
- 62.8% single-familysingle-family
- 4.3% townhousetownhouse
- 12.3% 2–4 units2–4 units
- 17.8% 5+ unitscondo & apartment buildings (5+ units)
- 2.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Dubuque’s homes were built
pre-19401970s2020+
72.5%
of Dubuque homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$106,300
County area median income, 4 people (HUD)HUD area median income, Dubuque County, 4-person household (2026)
$65,845
Dubuque median household incomeMedian household income in Dubuque (Census, 2024)
12 of the 77 programs here set their income limit as a share of Dubuque County’s area median income, adjusted for household size. See the published limits for Dubuque County
Free help nearbyFree help near Dubuque
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.4 of the 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Iowa and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Dubuque questions
Does Dubuque have its own down payment program?
Yes, 6: First-Time Homebuyer Loan Program (City of Dubuque), Eastern Iowa Regional Housing Corporation Housing Trust Fund - Down Payment Assistance, Dupaco / Fannie Mae HomeReady Down Payment Assistance, Dupaco R.W. Hoefer Foundation First-Time Homebuyer Grant, Dubuque and Jackson Counties Habitat for Humanity Homeownership Program and Washington Neighborhood Homebuyer Loan Program (City of Dubuque). Each is for homes inside Dubuque.
Can I use assistance on a condo in Dubuque?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Dubuque County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Dubuque County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Dubuque?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Dubuque. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
52001 · 52002 · 52003 · 52004 · 52099
Nearby in Dubuque
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.