WHEDA Capital Access DPA

Administered by: Wisconsin Housing and Economic Development Authority (WHEDA) · State · Deferred Loan

Funding status: Active

How much assistance

Up to $7,500 (between $3,050 and 3% of purchase price) (Deferred Loan)

Zero-interest, no monthly payments. Repaid when the home is sold, refinanced, or the first mortgage is paid off. No prepayment penalty.

Eligibility

  • Income limits: Lower income limits than WHEDA first mortgage programs. Varies by county and household size.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years, unless purchasing in a targeted area.
  • Geographic restrictions: Must purchase within Wisconsin.
  • Homebuyer education required: Yes

How to Apply for WHEDA Capital Access DPA

Step 1: Contact a WHEDA-approved lender to apply. Must pair with a WHEDA Advantage Conventional or FHA first mortgage. Limited funding available on a first-come, first-served basis.

Visit program website

Notes

Availability is limited. As of January 2026, funding was available for 78 loans on a first-come, first-served basis.

Available Statewide In