WORTH Down Payment Assistance Program (Community Development Alliance)
Forgivable loan · Forgiven over 3 yrs · Income limits
Down payment assistance · Milwaukee County
Buying a home in Oak Creek, WI
2 county programs and 10 statewide.Oak Creek has no program of its own, 2 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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What’s local to Oak Creek
No program of Oak Creek’s own yet
No program run for Oak Creek alone is listed. A home in Oak Creek can use Milwaukee County’s programs below, plus the Wisconsin statewide and federal ones.
The closest city that runs its own program is Milwaukee, about 11 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in MilwaukeeAnywhere in Milwaukee County
2 county programs2 county programs a Oak Creek homebuyer can use
3 more programs are for homes in Milwaukee and West Allis. See them 3 programs in neighboring cities — for homes inside those cities, not Oak Creek
- Milwaukee — City of Milwaukee Homebuyer Assistance Program (HBA) — City-Owned Foreclosure Rehab Forgivable Loan
- West Allis — City of West Allis Home Buyer Loan Program
- Milwaukee — Milwaukee Habitat for Humanity Homeownership Program
The Oak Creek marketThe Oak Creek housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oak Creek
- 52.8% single-familysingle-family
- 4.6% townhousetownhouse
- 7.1% 2–4 units2–4 units
- 34.1% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oak Creek’s homes were built
pre-19401970s2020+
35.9%
of Oak Creek 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)
$96,555
Oak Creek median household incomeMedian household income in Oak Creek (Census, 2024)
12 of the 74 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 Oak Creek
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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
Oak Creek questions
Does Oak Creek have its own down payment program?
No program run for Oak Creek alone is listed. A home in Oak Creek can use the 2 programs that cover Milwaukee County and the 10 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Oak Creek?
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 Oak Creek?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Oak Creek. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
53154
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.