Forgivable loan
City of Milwaukee Homebuyer Assistance Program (HBA) — City-Owned Foreclosure Rehab Forgivable Loan
Income limits · single_family
Down payment assistance · Milwaukee County
Buying a home in Milwaukee, WI
3 Milwaukee programs, 1 county program and 10 statewide.Milwaukee has 3 programs of its own, 1 more across Milwaukee 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 Milwaukee addresses
Milwaukee’s own programs
Forgivable loan
Milwaukee Home Down Payment Assistance Program
First-time homebuyers · Income limits
Down-payment assistance
Milwaukee Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · single_family
Anywhere in MilwaukeeAnywhere in Milwaukee County
1 county program1 county program a Milwaukee homebuyer can also use
1 more program is for homes in West Allis. See them 1 program in neighboring cities — for homes inside those cities, not Milwaukee
- West Allis — City of West Allis Home Buyer Loan Program
The Milwaukee marketThe Milwaukee housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Milwaukee
- 39.1% single-familysingle-family
- 4.3% townhousetownhouse
- 28.9% 2–4 units2–4 units
- 27.2% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Milwaukee’s homes were built
pre-19401970s2020+
84.2%
of Milwaukee 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.
$108,400
County area median income, 4 people (HUD)HUD area median income, Milwaukee County, 4-person household (2026)
$54,234
Milwaukee median household incomeMedian household income in Milwaukee (Census, 2024)
12 of the 76 programs here set their income limit as a share of Milwaukee County’s area median income, adjusted for household size. See the published limits for Milwaukee County
Free help nearbyFree help near Milwaukee
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Milwaukee questions
Does Milwaukee have its own down payment program?
Yes, 3: City of Milwaukee Homebuyer Assistance Program (HBA) — City-Owned Foreclosure Rehab Forgivable Loan, Milwaukee Home Down Payment Assistance Program and Milwaukee Habitat for Humanity Homeownership Program. Each is for homes inside Milwaukee.
Can I use assistance on a condo in Milwaukee?
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 Milwaukee County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Milwaukee 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 Milwaukee?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Milwaukee. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
53201 · 53202 · 53203 · 53204 · 53205 · 53206 · 53207 · 53208 · 53209 · 53210 · 53211 · 53212 · 53213 · 53214 · 53215 · 53216 · 53217 · 53218 · 53219 · 53220 · 53221 · 53222 · 53223 · 53224 · 53225 · 53226 · 53227 · 53228 · 53233 · 53234 · 53235 · 53237 · 53259 · 53263 · 53267 · 53268 · 53270 · 53274 · 53277 · 53278 · 53280 · 53281 · 53284 · 53285 · 53288 · 53290 · 53293 · 53295
Nearby in Milwaukee
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.