Rock County Down Payment Assistance (WPHD)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Rock County
Buying a home in Milton, WI
1 county program and 10 statewide.Milton has no program of its own, 1 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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What’s local to Milton
No program of Milton’s own yet
No program run for Milton alone is listed. A home in Milton can use Rock County’s programs below, plus the Wisconsin statewide and federal ones.
The closest city that runs its own program is Janesville, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in RockAnywhere in Rock County
1 county program1 county program a Milton homebuyer can use
2 more programs are for homes in Janesville and Beloit. See them 2 programs in neighboring cities — for homes inside those cities, not Milton
- Janesville — City of Janesville Home Possible Down Payment Assistance
- Beloit — NeighborWorks Blackhawk Region HOME Forgivable Down Payment Assistance (Beloit)
The Milton marketThe Milton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Milton
- 70.5% single-familysingle-family
- 4.3% townhousetownhouse
- 10.9% 2–4 units2–4 units
- 12.6% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
About condos. Milton’s one local program does not list condos as eligible. Rock County Down Payment Assistance (WPHD) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Milton’s homes were built
pre-19401970s2020+
57%
of Milton 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)
$85,959
Milton median household incomeMedian household income in Milton (Census, 2024)
12 of the 73 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 Milton
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Milton’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Rock County Down Payment Assistance (WPHD) 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
Milton questions
Does Milton have its own down payment program?
No program run for Milton alone is listed. A home in Milton can use the 1 program that cover Rock County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Milton?
Milton’s one local program does not list condos as eligible. 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. 12 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 Milton?
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
53563
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.