Deferred second loan
Lakeshore CAP Home Buyer and Financial Assistance Program
Income limits · single_family
Down payment assistance · Manitowoc County
Buying a home in Manitowoc, WI
1 Manitowoc program and 10 statewide.Manitowoc has 1 program of its own, 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 Manitowoc addresses
Manitowoc’s own program
The Manitowoc marketThe Manitowoc housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Manitowoc
- 61.9% single-familysingle-family
- 3.8% townhousetownhouse
- 15% 2–4 units2–4 units
- 16.7% 5+ unitscondo & apartment buildings (5+ units)
- 2.7% mobile & othermobile home & other
About condos. Manitowoc’s one local program does not list condos as eligible. Lakeshore CAP Home Buyer and Financial Assistance Program lists single_family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Manitowoc’s homes were built
pre-19401970s2020+
70.6%
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
County area median income, 4 people (HUD)HUD area median income, Manitowoc County, 4-person household (2026)
$63,757
Manitowoc median household incomeMedian household income in Manitowoc (Census, 2024)
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 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.
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Across Wisconsin and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Manitowoc questions
Does Manitowoc have its own down payment program?
Yes, one: Lakeshore CAP Home Buyer and Financial Assistance Program, a deferred second loan (income limits). It is for homes inside Manitowoc.
Can I use assistance on a condo in Manitowoc?
Manitowoc’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 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.
ZIP codes
54220 · 54221
Nearby in Manitowoc
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.