Homebuyer Loans

Updated February 7, 2022: First-Time Homebuyer Loans are currently unavailable in Jackson and Trempealeau Counties.

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.

Contact Us

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

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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