First-Time
Homebuyer Loans

Are you interested in purchasing your first home? If you answered "yes" you may qualify for down payment assistance through the Southwest Wisconsin Housing Region's first-time homebuyer program.

  • Maximum loan ammount of up to 10% of the purchase price
  • Funds are offered at 0% interest
  • No payments are made on the loan until the home is sold, refinanced, or is no longer the primary residence of the loan recipient
  • No land contracts allowed - must be simple fee title
  • Funds can include small rehabilitation repairs on the new home

Eligibility Requirements:

  • The home must be located in Trempealeau, Monroe, Richland, Lafayette, Jackson, Vernon, Grant, Green, La Crosse, Crawford or Iowa county.
  • Applicants must be first-time homebuyers
  • Applicants must be income-eligible (see below)
  • Must provide a cash contribution of at least $1,000 towards the home purchase
  • Must qualify for a conventional loan through a reputable lender (we cannot qualify you for a mortgage)
  • Must participate in 6 hours of Homebuyer Education

Household Income Limits

Eligible homeowner must have a total household income at or less than 80% of the county median income.

To apply for down payment assistance

1. Download an Application

2. Mail the completed application to the agency serving your county. A list of counties and staff contacts is available on the right-hand side of this page.

For more information or to find out if you may be eligible for assistance, please contact:

Jackson & Trempealeau Counties
Western Dairyland
Community Action Agency
23122 Whitehall Road, PO Box 125
Independence, WI 54747

Staff contact: Troy Bjorgo
715-985-2391 ext. 1241


Crawford, La Crosse,
Monroe, and Vernon Counties

Couleecap, Inc.
110 N. Main Street
Westby, WI 54667

Staff contact: Sara Berger
608-632-6512


Grant, Green, Iowa, Lafayette,
and Richland Counties

Southwestern WI
Community Action Program
149 North Iowa Street
Dodgeville, WI 53533

Staff contact: Lori Olson-Pink
608-935-2326 ext. 251

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