SIMPCO Pathway to Purchase Homebuyer Grant

What is SIMPCO Pathway to Purchase Homebuyer Grant?

SIMPCO Pathway to Purchase Homebuyer Grant is a grant for homebuyers in Sioux City, Iowa, administered by Siouxland Interstate Metropolitan Planning Council (SIMPCO) / Western Iowa Community Improvement Regional Housing Trust Fund (WICIRHTF).

• SIMPCO's Pathway to Purchase is a first-time homebuyer grant program (with exceptions) providing need-based assistance up to $37,500 for buyers at or below 80% AMI in Cherokee, Ida, Monona, Plymouth, and Woodbury counties (excluding Sioux City). Administered through the Western Iowa Community Improvement Regional Housing Trust Fund.
• Need-based grant up to $37,500.
• First-time homebuyer with hardship exceptions.
• Serves 5-county Siouxland region.
• Income-qualified up to 80% AMI.
• Funding comes from Western Iowa Community Improvement Regional Housing Trust Fund (WICIRHTF) / SIMPCO Housing Division.

How much assistance does it provide?

SIMPCO Pathway to Purchase Homebuyer Grant offers up to $37,500 in assistance.

• Amounts are the program's published maximums, not an offer — Siouxland Interstate Metropolitan Planning Council (SIMPCO) / Western Iowa Community Improvement Regional Housing Trust Fund (WICIRHTF) determines any individual award.

Do you have to pay it back?

SIMPCO Pathway to Purchase Homebuyer Grant is structured as a grant, so it is not repaid.

• Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

SIMPCO Pathway to Purchase Homebuyer Grant is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

SIMPCO Pathway to Purchase Homebuyer Grant limits household income to 80% of the area median income, which varies by county and household size.

• Household income at or below 80% of HUD median family income limits (2026 income guidelines by household size).
• The limit applies to total household income, not only the borrower’s.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

SIMPCO Pathway to Purchase Homebuyer Grant can be used for Single Family.

Where does it apply?

SIMPCO Pathway to Purchase Homebuyer Grant serves buyers purchasing in Sioux City, Iowa.

• The program targets specific areas: Cherokee, Ida, Monona, Plymouth, and Woodbury counties (excluding Sioux City).

How do you apply?

Applications for SIMPCO Pathway to Purchase Homebuyer Grant go through Siouxland Interstate Metropolitan Planning Council (SIMPCO) / Western Iowa Community Improvement Regional Housing Trust Fund (WICIRHTF), which publishes the current terms and the application steps on its own site.

1. 1

   Contact Siouxland Interstate Metropolitan Planning Council (SIMPCO) / Western Iowa Community Improvement Regional Housing Trust Fund (WICIRHTF) to reserve funds

   Funds are reserved with the provider and are subject to availability.

2. 2

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.