Shared-appreciation loan
Home-Buy the American Dream (HBAD)
First-time homebuyers · Income limits
Down payment assistance · Dane County
Buying a home in Madison, WI
2 Madison programs, 1 county program and 10 statewide.Madison has 2 programs of its own, 1 more across Dane 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 Madison addresses
Madison’s own programs
Down-payment assistance
Habitat for Humanity of Dane County Homeownership Program
New construction · Income limits · single_family
Anywhere in DaneAnywhere in Dane County
1 county program1 county program a Madison homebuyer can also use
The Madison marketThe Madison housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Madison
- 39.9% single-familysingle-family
- 4.9% townhousetownhouse
- 10.7% 2–4 units2–4 units
- 43.6% 5+ unitscondo & apartment buildings (5+ units)
- 0.9% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Madison’s homes were built
pre-19401970s2020+
50.6%
of Madison 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.
$135,300
County area median income, 4 people (HUD)HUD area median income, Dane County, 4-person household (2026)
$78,050
Madison median household incomeMedian household income in Madison (Census, 2024)
14 of the 75 programs here set their income limit as a share of Dane County’s area median income, adjusted for household size. See the published limits for Dane County
Free help nearbyFree help near Madison
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Madison questions
Does Madison have its own down payment program?
Yes, 2: Home-Buy the American Dream (HBAD) and Habitat for Humanity of Dane County Homeownership Program. Each is for homes inside Madison.
Can I use assistance on a condo in Madison?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Dane County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Dane 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 Madison?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Madison. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
53701 · 53702 · 53703 · 53704 · 53705 · 53706 · 53707 · 53708 · 53709 · 53710 · 53711 · 53713 · 53714 · 53715 · 53716 · 53717 · 53718 · 53719 · 53725 · 53726 · 53744 · 53777 · 53778 · 53779 · 53780 · 53782 · 53783 · 53784 · 53785 · 53786 · 53787 · 53788 · 53789 · 53790 · 53791 · 53792 · 53793 · 53794
Nearby in Dane
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.