Down Payment Assistance
Western Dairyland provides up to $2,500 in financial assistance to income-eligible homebuyers in our service area for a limited time. Funds may be used for down payments, mortgage insurance, homeowners insurance, or closing costs.
Eligibility Requirements
- The home being purchased must be located in Eau Claire, Trempealeau, Jackson, or Buffalo counties.
- Applicants must be income-eligible (see below)
- Based on income, applicants must contribute $500 - $1,000 toward the home purchase.
- Applicants must qualify for a home loan through a reputable lender (we cannot qualify you for a mortgage).
- Applicants must participate in a homebuyer education class. Contact us for a list of available courses.
- No land contracts are allowed - it must be a simple fee title.
- No mobile homes are allowed, and restrictions may apply to prefabricated homes
To apply for down payment assistance, download an application. Return completed applications (all eleven pages) by mail or in-person to:
Western Dairyland EOC Inc.
Attn: Down Payment Assistance
23122 Whitehall Road
Independence, WI 54747
Western Dairyland EOC. Inc.
Attn: Down Payment Assistance
418 Wisconsin Street
Eau Claire, WI 54703
Household Income Limits
Eligible applicants must have a total household income at or less than 80% of the county median income:
Down Payment Assistance 2026 County Median Income
| Household Size | Buffalo | Eau Claire | Jackson | Trempealeau |
|---|---|---|---|---|
| 1 | $53,800 | $56,750 | $53,800 | $56,400 |
| 2 | $61,450 | $64,850 | $61,450 | $64,450 |
| 3 | $69,150 | $72,950 | $69,150 | $72,500 |
| 4 | $76,800 | $81,050 | $76,800 | $80,550 |
| 5 | $82,950 | $87,550 | $82,950 | $87,000 |
| 6 | $89,100 | $94,050 | $89,100 | $93,450 |
| 7 | $95,250 | $100,550 | $95,250 | $99,900 |
| 8 | $101,400 | $107,000 | $101,400 | $106,350 |