Appleton Housing Authority First-Time Affordable Homebuyer Program

Appleton Housing Authority First-Time Affordable Homebuyer Program is a deferred second loan for homebuyers in Appleton, Wisconsin, administered by Appleton Housing Authority (AHA). Down payment, closing cost, and home repair assistance for income-eligible first-time homebuyers purchasing a single-family home in Outagamie or Calumet County. Assistance is structured so that 50% of the down payment assistance is a 5-year grant and the balance is a 0% interest deferred loan; the deferred loan accrues no interest and requires no monthly payments while the owner lives in the home. Established in 1993. Down payment/closing cost and repair assistance; 50% of down payment assistance provided as a 5-year grant, the remaining balance as a 0% interest deferred loan with no monthly payments.

Appleton Housing Authority First-Time Affordable Homebuyer Program is forgiven after 5 years, so a homebuyer who stays that long does not repay it. The assistance is recorded in second position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Appleton Housing Authority First-Time Affordable Homebuyer Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 580. A homebuyer education course is required. Property must be a single-family home located in Outagamie or Calumet County (no duplexes or rental property). Applicant must occupy the home. Household income must be above 50% and at or below 80% of county median income. Minimum credit score 580. Purchase price limits: $257,000 (Outagamie County), $268,000 (Calumet County). HUD-approved homebuyer education and counseling required prior to closing (two-part series with a course fee; available in Spanish). All homes inspected to HUD housing quality standards before purchase.

Appleton Housing Authority First-Time Affordable Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size. Household income must be above 50% and at or below 80% of county median income, adjusted for household size. 2026 max gross income by household size (Outagamie/Calumet): 1=$62,300; 2=$71,200; 3=$80,100; 4=$88,950; 5=$96,100; 6=$103,200; 7=$110,300; 8+=$117,450. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Appleton Housing Authority First-Time Affordable Homebuyer Program caps the purchase price at $268,000.

Appleton Housing Authority First-Time Affordable Homebuyer Program serves homebuyers purchasing in Appleton, Wisconsin.

Applications for Appleton Housing Authority First-Time Affordable Homebuyer Program go through Appleton Housing Authority (AHA), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.