City of Superior Down Payment Assistance Program

What is City of Superior Down Payment Assistance Program?

City of Superior Down Payment Assistance Program is a deferred second loan for homebuyers in Superior, Wisconsin, administered by Northwest Regional Planning Commission (NWRPC) / Northwest Affordable Housing, for the City of Superior.

• The City of Superior, administered through the Northwest Regional Planning Commission's Northwest Affordable Housing HOME program, provides down payment and closing-cost assistance as a 0% interest deferred-payment mortgage on an existing single-family owner-occupied dwelling. Assistance is up to 10% of the purchase price, not to exceed 50% of the required down payment, and is repaid when the home is sold, transferred, or no longer the borrower's primary residence. Income-eligible buyers must be below HUD income limits for Douglas County (~80% AMI).
• 0% interest deferred-payment loan.
• Covers down payment and closing costs.
• No monthly payments while owner-occupied.
• Serves City of Superior buyers.
• Funding comes from HUD HOME Investment Partnerships / Wisconsin DOA Housing Cost Reduction Initiative (HCRI) / CDBG via WI Dept. of Administration, Division of Energy, Housing and Community Resources.

How much assistance does it provide?

City of Superior Down Payment Assistance Program provides assistance worth 10% of the purchase price, as set by the program.

• Buyer contribution: Borrower typically contributes toward the down payment; program covers up to 50% of the required down payment.
• Amounts are the program's published maximums, not an offer — Northwest Regional Planning Commission (NWRPC) / Northwest Affordable Housing, for the City of Superior determines any individual award.

Do you have to pay it back?

City of Superior Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

• Repayment is triggered by Repaid on sale, transfer, or when the home is no longer the borrower's owner-occupied primary residence (deferred-payment mortgage).
• 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.

Who qualifies?

City of Superior Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

What are the income limits?

City of Superior Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

• Household gross income must be below HUD income limits for Douglas County (~80% AMI). June 2026 HUD limits by household size: 1=$56,650; 2=$64,750; 3=$72,850; 4=$80,900; 5=$87,400; 6=$93,850; 7=$100,350; 8=$106,800. Includes income of all household members 18+ except full-time students under 22.
• The limit applies to total household income, not only the borrower’s.
• The program lists a maximum household size of 8.
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Superior Down Payment Assistance Program can be used for Single Family.

Where does it apply?

City of Superior Down Payment Assistance Program serves buyers purchasing in Superior, Wisconsin.

• The program targets specific areas: City of Superior, Wisconsin.

How do you apply?

Applications for City of Superior Down Payment Assistance Program go through Northwest Regional Planning Commission (NWRPC) / Northwest Affordable Housing, for the City of Superior, which publishes the current terms and the application steps on its own site.

1. 1

   Contact Northwest Regional Planning Commission (NWRPC) / Northwest Affordable Housing, for the City of Superior to reserve funds

   Funds are reserved through Application through NWRPC; subject to fund availability., and are subject to availability.

2. 2

   Work with a lender who handles the program

   Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.