Forgivable loan
Sold on Oshkosh Down Payment Assistance Program
Income limits · Single Family · 2-4 Unit
Down payment assistance · Winnebago County
Buying a home in Oshkosh, WI
2 Oshkosh programs and 10 statewide.Oshkosh has 2 programs 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.
Find my programs Free · No credit pull · 90 seconds
Only for Oshkosh addresses
Oshkosh’s own programs
Deferred second loan
ADVOCAP Down Payment Assistance
Income limits
The Oshkosh marketThe Oshkosh housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Oshkosh
- 55.8% single-familysingle-family
- 4.2% townhousetownhouse
- 13.8% 2–4 units2–4 units
- 25.3% 5+ unitscondo & apartment buildings (5+ units)
- 1% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Oshkosh’s homes were built
pre-19401970s2020+
59.3%
of Oshkosh 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.
$100,500
County area median income, 4 people (HUD)HUD area median income, Winnebago County, 4-person household (2026)
$62,188
Oshkosh median household incomeMedian household income in Oshkosh (Census, 2024)
12 of the 74 programs here set their income limit as a share of Winnebago County’s area median income, adjusted for household size. See the published limits for Winnebago County
Free help nearbyFree help near Oshkosh
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Wisconsin and nationwide
72 statewide & federal programs10 statewide programs, plus federal options
Oshkosh questions
Does Oshkosh have its own down payment program?
Yes, 2: Sold on Oshkosh Down Payment Assistance Program and ADVOCAP Down Payment Assistance. Each is for homes inside Oshkosh.
Can I use assistance on a condo in Oshkosh?
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 Winnebago County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Winnebago 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 Oshkosh?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Oshkosh. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
54901 · 54902 · 54903 · 54904 · 54906
Nearby in Winnebago
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.