Forgivable loan
City of Janesville Home Possible Down Payment Assistance
First-time homebuyers · Income limits · Single Family
Down payment assistance · Rock County
Buying a home in Janesville, WI
1 Janesville program, 1 county program and 10 statewide.Janesville has 1 program of its own, 1 more across Rock County, and 10 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 Janesville addresses
Janesville’s own program
Anywhere in RockAnywhere in Rock County
1 county program1 county program a Janesville homebuyer can also use
1 more program is for homes in Beloit. See them 1 program in neighboring cities — for homes inside those cities, not Janesville
- Beloit — NeighborWorks Blackhawk Region HOME Forgivable Down Payment Assistance (Beloit)
The Janesville marketThe Janesville housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Janesville
- 67.8% single-familysingle-family
- 6.6% townhousetownhouse
- 8% 2–4 units2–4 units
- 15.5% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
About condos. None of Janesville’s 2 local and county programs list condos as eligible. City of Janesville Home Possible Down Payment Assistance lists single family. Rock County Down Payment Assistance (WPHD) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Janesville’s homes were built
pre-19401970s2020+
62.7%
of Janesville 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.
$94,500
County area median income, 4 people (HUD)HUD area median income, Rock County, 4-person household (2026)
$73,446
Janesville median household incomeMedian household income in Janesville (Census, 2024)
13 of the 74 programs here set their income limit as a share of Rock County’s area median income, adjusted for household size. See the published limits for Rock County
Free help nearbyFree help near Janesville
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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 Wisconsin and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Janesville questions
Does Janesville have its own down payment program?
Yes, one: City of Janesville Home Possible Down Payment Assistance, a forgivable loan for first-time homebuyers (forgiven over 5 yrs, income limits). It is for homes inside Janesville.
Can I use assistance on a condo in Janesville?
None of Janesville’s 2 local and county programs list condos as eligible. City of Janesville Home Possible Down Payment Assistance lists single family. Rock County Down Payment Assistance (WPHD) 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 Rock County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Rock 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 Janesville?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Janesville. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
53545 · 53546 · 53547
Nearby in Rock
Sources
Sources: agency sites (July 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 (July 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.