Lakeshore CAP Home Buyer and Financial Assistance Program
Deferred second loan · Income limits
single_family
See details Jul 2026
Down payment assistance · Wisconsin
Buying a home in Manitowoc County, WI
1 county-wide program, plus 6 statewide and 62 nationwide.Manitowoc has 1 program that covers the whole county. On top of those, 6 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in ManitowocAnywhere in Manitowoc County
1 program for every Manitowoc address1 program that covers every Manitowoc address
It asks for a homebuyer class.This is run for the whole county, so a home in Manitowoc, Two Rivers or Kiel can use it. It asks for a homebuyer class.
The Manitowoc marketThe Manitowoc housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Manitowoc
- 73.5% single-familysingle-family
- 2.7% townhousetownhouse
- 10.3% 2–4 units2–4 units
- 10.3% 5+ unitscondo & apartment buildings (5+ units)
- 3.3% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Manitowoc’s homes were built
pre-19401970s2020+
68.8%
of Manitowoc 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.
$95,200
HUD area median income, 4 people (FY2026)HUD area median income, Manitowoc County, 4-person household (FY2026)
$69,148
Median household income (ACS 2024 5-year)Median household income in Manitowoc (Census ACS 2024 5-year)
77.1%
of occupied homes are owner-occupied (Wisconsin: 67.8%)
The two income figures measure different things. HUD’s area median income is the one programs use. 8 of the 69 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 in ManitowocFree help in Manitowoc
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Manitowoc’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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
8 cities and placesA to Z
All cities in Manitowoc CountyAll 8 cities and places in Manitowoc County
Manitowoc questions
Can I use a county program anywhere in Manitowoc?
The 1 county-wide program cover homes anywhere in the county. City programs are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Manitowoc County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Manitowoc programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Manitowoc?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.