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Down payment assistance income limits in Wisconsin

46 down payment assistance programs in Wisconsin publish an income limit, a purchase price cap, or both.

Every figure below is the limit the administering agency publishes. Limits are revised as area incomes and local prices move, so confirm current figures with the agency before relying on them.

Area median income by county

HUD's published four-person area median income for each Wisconsin county. A program that sets its limit at a percentage of area median income applies that percentage to the figure for the county where the home is, adjusted for household size.

HUD four-person area median income by county in Wisconsin
CountyPublished4-person median
Adams2026$82,900
Ashland2026$87,400
Barron2026$87,900
Bayfield2026$91,600
Brown2026$106,300
Buffalo2026$90,500
Burnett2026$87,700
Calumet2026$111,200
Chippewa2026$101,300
Clark2026$88,000
Columbia2026$107,300
Crawford2026$84,700
Dane2026$135,300
Dodge2026$101,700
Door2026$104,800
Douglas2026$101,100
Dunn2026$100,700
Eau Claire2026$101,300
Florence2026$77,900
Fond Du Lac2026$105,800
Forest2026$76,900
Grant2026$95,000
Green2026$110,000
Green Lake2026$92,200
Iowa2026$110,900
Iron2026$82,300
Jackson2026$86,300
Jefferson2026$111,700
Juneau2026$87,600
Kenosha2026$117,300
Kewaunee2026$106,300
La Crosse2026$105,800
Lafayette2026$96,800
Langlade2026$79,600
Lincoln2026$95,300
Manitowoc2026$95,200
Marathon2026$103,600
Marinette2026$80,800
Marquette2026$84,300
Menominee2026$74,100
Milwaukee2026$108,400
Monroe2026$93,800
Oconto2026$99,500
Oneida2026$95,600
Outagamie2026$111,200
Ozaukee2026$108,400
Pepin2026$91,700
Pierce2026$131,500
Polk2026$97,800
Portage2026$106,300
Price2026$81,800
Racine2026$104,300
Richland2026$89,000
Rock2026$94,500
Rusk2026$80,500
Saint Croix2026$131,500
Sauk2026$103,100
Sawyer2026$79,300
Shawano2026$84,400
Sheboygan2026$103,200
Taylor2026$91,300
Trempealeau2026$100,700
Vernon2026$94,900
Vilas2026$88,400
Walworth2026$118,900
Washburn2026$87,900
Washington2026$108,400
Waukesha2026$108,400
Waupaca2026$96,300
Waushara2026$88,700
Winnebago2026$100,500
Wood2026$94,700

Published limits by program

Published income limits and purchase price caps by program in Wisconsin
ProgramIncome limitPrice cap
ADVOCAP Down Payment AssistanceOshkosh · Fond du Lac; Winnebago; Green Lake80% of area median incomeHousehold income less than 80% of County Median Income. 4-person limits (2022 guidelines): Fond du Lac $60,240; Green Lake $57,440; Winnebago $62,000.—
Appleton Housing Authority First-Time Affordable Homebuyer ProgramAppleton · Outagamie80% of area median incomeHousehold income must be above 50% and at or below 80% of county median income, adjusted for household size. 2026 max gross income by household size (Outagamie/Calumet): 1=$62,300; 2=$71,200; 3=$80,100; 4=$88,950; 5=$96,100; 6=$103,200; 7=$110,300; 8+=$117,450.$268,000
CAP Services Home Buyers Down Payment AssistanceMulti-County80% of area median incomeAnnual household income cannot exceed 80% County Median Income—
Chippewa County Housing Authority Homebuyer ProgramChippewa Falls · Chippewa; Barron; Buffalo; Clark; Dunn; Eau Claire; Pepin; Pierce; Polk; St. Croix80% of area median incomeAnnual gross household income at or below HUD income limits (~80% AMI). Chippewa/Eau Claire/Barron/Clark area: 1=$53,800; 2=$61,450; 3=$69,150; 4=$76,800; 5=$82,950; 6=$89,100; 7=$95,250; 8=$101,400 (varies by county; see brochure for Buffalo, Dunn, Pepin, Pierce, Polk, St. Croix).—
City of Janesville Home Possible Down Payment AssistanceJanesville · Rock80% of area median incomeAt or below 80% of Rock County Area Median Income—
City of Kenosha HOME Homebuyer Purchase AssistanceKenosha · Kenosha80% of area median incomeTotal annual household income cannot exceed 80% of Kenosha County area median income by family size (HUD); income determined from IRS Form 1040 adjusted gross income.—
City of La Crosse First-Time Homebuyer Down Payment Assistance ProgramLa Crosse · La Crosse120% of area median incomeHousehold income at or below 120% of County Median Income (CMI); grant tier set by income band (<=80%, 81-100%, 101-120%).$267,000
City of Milwaukee Homebuyer Assistance Program (HBA) — City-Owned Foreclosure Rehab Forgivable LoanMilwaukee · MilwaukeeSee programNo maximum income limits (per program brochure).—
City of Racine Employee Homebuyer Assistance ProgramRacine · RacineSee programNo published income cap in the program term sheet; household income collected on intake only to refer applicants to additional income-based funding. Eligibility is driven by employment, not an AMI limit.—
City of Superior Down Payment Assistance ProgramSuperior · Douglas80% of area median incomeHousehold gross income must be below HUD income limits for Douglas County (~80% AMI). June 2026 HUD limits by household size: 1=$56,650; 2=$64,750; 3=$72,850; 4=$80,900; 5=$87,400; 6=$93,850; 7=$100,350; 8=$106,800. Includes income of all household members 18+ except full-time students under 22.—
City of Wausau Down Payment Assistance ProgramWausau · Marathon80% of area median incomeGross household income within HUD 80% AMI limits effective 6/1/2026 by household size: 1=$58,050; 2=$66,350; 3=$74,650; 4=$82,900; 5=$89,550; 6=$96,200; 7=$102,800; 8=$109,450. Includes all members age 18+.—
City of West Allis Home Buyer Loan ProgramWest Allis · Milwaukee80% of area median incomeMaximum gross annual household income by household size (2025): 1=$39,350; 2=$44,950; 3=$50,550; 4=$56,150; 5=$60,650; 6=$65,150; 7=$69,650; 8=$74,150 (~80% AMI, Milwaukee MSA).$269,000
Couleecap First-Time Homebuyer Down Payment AssistanceWestby · La Crosse; Monroe; Vernon; Crawford80% of area median incomeAt or below 80% of County Median Income (Crawford, La Crosse, Monroe, Vernon counties).—
Dane County CDBG Down Payment Assistance ProgramDane80% of area median income2026 Dane County household income limits (effective 6/1/2026): 1=$74,800; 2=$85,450; 3=$96,150; 4=$106,800; 5=$115,350; 6=$123,900; 7=$132,450; 8=$141,000.—
Downpayment Plus (DPP) / Downpayment Plus Advantage (DPP Advantage)80% of area median incomeHousehold income at or below 80% of area median income; limits vary by county.—
Eau Claire County Housing Authority Homebuyer Down Payment/Closing Cost Loan (HODAP/HCRI/HOME)Eau Claire80% of area median incomeMonthly income cannot exceed 80% of county median income; preference to families <50% AMI. Income limits effective March 2024 (subject to change): 50% AMI / 80% AMI by household size — 1: $34,800/$55,650; 2: $39,800/$63,600; 3: $44,750/$71,550; 4: $49,700/$79,500; 5: $53,700/$85,900; 6: $57,700/$92,250; 7: $61,650/$98,600; 8: $65,650/$104,950.—
Greater Fox Cities Area Habitat for Humanity Homebuyer ProgramMenasha · OutagamieSee programGross annual income must be at or above the minimum and at or below the maximum by family size (2026 guidelines): 1: $42,675-$62,300; 2: $42,675-$71,200; 3: $45,600-$80,100; 4: $45,600-$88,950; 5: $48,050-$96,100; 6: $51,600-$103,200; 7: $55,150-$110,300; 8: $58,725-$117,450.—
Habitat for Humanity of Dane County Homeownership ProgramMadison · Dane60% of area median incomePartner families typically fall between 30% and 60% of Dane County median household income.—
Ho-Chunk Nation Down Payment Assistance (DPA) ProgramBlack River FallsSee programNo income limit stated in policy; program is for income-qualified enrolled members per HHCDA materials but the HCN DOH DPA policy sets no explicit AMI cap.—
Home Start Down Payment and Closing Cost Assistance (RASCW Housing Foundation)Multi-County80% of area median incomeMaximum 80% of County Median Income for the property's county—
Home-Buy the American Dream (HBAD)Madison · Dane80% of area median income2026 household income limits (subject to annual change): 1=$74,800; 2=$85,450; 3=$96,150; 4=$106,800; 5=$115,350; 6=$123,900; 7=$132,450; 8=$141,000.—
Lakeshore CAP Home Buyer and Financial Assistance ProgramManitowoc · ManitowocSee programIncome-eligible households; specific limits not published online (call for eligibility requirements).—
Milwaukee Habitat for Humanity Homeownership ProgramMilwaukee · MilwaukeeSee programIncome of at least $35,000/year ($2,917/month), with specific requirements by family size; demonstrated need for affordable housing.—
Milwaukee Home Down Payment Assistance ProgramMilwaukee · MilwaukeeSee programMaximum total household income by family size: 1=$60,700; 2=$69,400; 3=$78,050; 4=$86,700; 5=$93,650; 6=$100,600; 7=$107,550; 8=$114,450.$290,000
Movin' Out HCRI (Housing Cost Reduction Initiative) Down Payment Assistance Loan Program80% of area median incomeHousehold income at or below 80% of county median income.—
Movin' Out HHR (Homebuyer & Homeowner Rehabilitation) Down Payment Assistance Loan Program80% of area median incomeHousehold income at or below 80% of county median income.—
NeighborWorks Blackhawk Region HOME Forgivable Down Payment Assistance (Beloit)Beloit · Rock80% of area median incomeUnder 80% of Beloit-Janesville AMI. 4-person 80% AMI = $76,800 (2024 HUD).$219,000
NeighborWorks Green Bay Purchase Assistance (HOME / HCRI / NeighborWorks Loan Fund)Green Bay · BrownSee programHousehold income limits by household size, generally up to 80%-120% of area median income depending on the specific program (2026 HUD limits for Wisconsin used).—
Newcap Homebuyer ProgramGreen Bay · Brown80% of area median incomeAt or below 80% of the current County Median Income.—
Northeastern Wisconsin Housing CDBG Down Payment Assistance ProgramMulti-County80% of area median incomeGross household income at or below 80% of County Median Income—
Northwest Regional Housing Program - Homebuyer (HCRI) Down Payment AssistanceDouglas; Ashland; Bayfield; Burnett; Iron; Price; Rusk; Sawyer; Taylor; Washburn80% of area median incomeHousehold gross income must be below HUD income limits (~80% AMI). 2025 HUD limits — Douglas County: 1=$56,350; 2=$64,400; 3=$72,450; 4=$80,500; 5=$86,950; 6=$93,400; 7=$99,850; 8=$106,300. Other 9 counties (Ashland, Bayfield, Burnett, Iron, Price, Rusk, Sawyer, Taylor, Washburn): 1=$52,000; 2=$59,400; 3=$66,850; 4=$74,250; 5=$80,200; 6=$86,150; 7=$92,100; 8=$98,050. Includes income of all members 18+ except full-time students under 22.—
Partners for Community Development ARPA Down Payment Assistance (80-150% CMI, Sheboygan County)Sheboygan · Sheboygan$142,200Gross household income between 80% and 150% of Sheboygan County Median Income. 4-person: 120%=$113,750; 150%=$142,200.—
Partners for Community Development Homebuyer Assistance ProgramSheboygan · Sheboygan80% of area median incomeGross household income below 80% of County Median Income. 4-person limits effective 12/1/2025: Sheboygan $82,550; Manitowoc $76,800; Kewaunee $85,050; Door $83,850.$238,000
Rock County Down Payment Assistance (WPHD)Rock80% of area median incomeAt or below 80% of Rock County Area Median Income—
Sold on Oshkosh Down Payment Assistance ProgramOshkosh · WinnebagoSee programHousing-related expenses cannot exceed 30% of household income; specific income limit dollars not published - contact the City at (920) 236-5058 for current limits (gap).—
SWCAP Home Buyer Assistance ProgramDodgeville · GrantSee programIncome eligibility requirements may apply (specific limits not published online).—
Washington County Heart & Homestead Earned Down Payment IncentiveWest Bend · WashingtonSee programNo income limit stated; eligibility is not income-restricted (must be pre-approved for a mortgage).$420,000
Waukesha HOME Consortium Down Payment Assistance / Purchase-Rehab ProgramWaukesha80% of area median incomeAnnual household income below 80% of the area/county median income.—
Western Dairyland Down Payment Assistance ProgramEau Claire80% of area median incomeTotal household income at or below 80% of county median income; 2026 limits vary by county and household size (e.g., Eau Claire 4-person $81,050; Buffalo/Jackson 4-person $76,800; Trempealeau 4-person $80,550).—
WHEDA Advantage ConventionalSee programTotal Household Compliance Income under WHEDA county limits (non-target 1-2 person $104,800-$132,400 eff 5/18/2025); higher in target areas.$544,232
WHEDA Advantage FHASee programSame WHEDA county limits as Conventional (non-target 1-2 person $104,800-$132,400 eff 5/18/2025).$544,232
WHEDA Capital Access Advantage DPASee programLower Capital Access income limits (eff 1/15/2026): 1-person $52,000-$72,950; 4-person $74,250-$104,200 by county.—
WHEDA Easy Close Advantage DPASee programSame Total Household Compliance Income limits as the WHEDA first mortgage.$544,232
WHEDA Tax Advantage (Mortgage Credit Certificate / MCC)See programWHEDA MCC income limits (non-target 1-2 person $104,800-$132,400 eff 5/18/2025); higher in target areas.$544,232
WHEDA VALOR (Veterans Affordable Loan Opportunity Rate)See programSame WHEDA FTHB/MCC/VALOR compliance income limits (non-target 1-2 person $104,800-$132,400 eff 5/18/2025).$544,232
WORTH Down Payment Assistance Program (Community Development Alliance)Milwaukee100% of area median incomeTwo tiers: at or below 60% AMI and at or below 100% AMI—

Questions, answered

What are the income limits for down payment assistance in Wisconsin?

46 down payment assistance programs in Wisconsin publish an income limit, a purchase price cap, or both. 28 express the limit as a percentage of the area median income for the county where the home is, and 10 publish a flat dollar figure instead.

Why does the same program have different income limits in different counties?

Because most limits are set as a percentage of area median income, which HUD publishes per county and revises annually. A program with one published percentage therefore admits a different dollar figure in each county, and the figure is further adjusted for household size.

Is a published limit the same as being approved?

No. An income limit is one eligibility rule among several — credit requirements, purchase price caps, occupancy rules and homebuyer education all apply separately, and the first-mortgage lender underwrites on its own terms. Always confirm current figures with the administering agency.

Is Hey Prescott a lender?

No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.

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