Lakeshore CAP Home Buyer and Financial Assistance Program
Deferred second loan · Income limits
Down payment assistance · Manitowoc County
Buying a home in Cato, WI
1 county program and 10 statewide.Cato has no program of its own, 1 across Manitowoc County, and 10 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Cato
No program of Cato’s own yet
No program run for Cato alone is listed. A home in Cato can use Manitowoc County’s programs below, plus the Wisconsin statewide and federal ones.
The closest city that runs its own program is Green Bay, about 27 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ManitowocAnywhere in Manitowoc County
1 county program1 county program a Cato homebuyer can use
Income limits in Manitowoc County
How programs here set their income limits
$95,200
County area median income, 4 people (HUD)HUD area median income, Manitowoc County, 4-person household (2026)
11 of the 73 programs here set their income limit as a share of Manitowoc County’s area median income, adjusted for household size. See the published limits for Manitowoc County
Free help nearbyFree help near Cato
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Cato’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Lakeshore CAP Home Buyer and Financial Assistance Program asks 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 Wisconsin and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Cato questions
Does Cato have its own down payment program?
No program run for Cato alone is listed. A home in Cato can use the 1 program that cover Manitowoc County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cato?
Cato’s one local program does not list condos as eligible. Lakeshore CAP Home Buyer and Financial Assistance Program lists single_family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Manitowoc County?
Each program sets its own. 11 of the programs here set theirs as a share of HUD’s area median income for Manitowoc 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 Cato?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Nearby in Manitowoc
Sources
Sources: agency sites (July 2026), HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.