See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 9, 2026
Homebuyer Programs in Brookfield, WI (2026)
Brookfield is an affluent suburban city in Waukesha County, Wisconsin, located west of Milwaukee, with a median home price around $460,000. While Brookfield does not operate its own city-funded down payment assistance program, buyers here benefit from Waukesha County and statewide options. The HOME Consortium Down Payment Assistance program provides a forgivable loan of up to $10,000 for Waukesha County purchases, forgiven over five years of owner-occupancy. The WORTH Down Payment Assistance Program offers grants up to $8,000 for first-time buyers. The Downpayment Plus Program through FHLBank Chicago adds up to $10,000 in forgivable grant assistance through participating lenders. At the state level, WHEDA offers the Capital Access DPA with up to $7,500 and the Easy Close DPA with up to 6% of the purchase price. By stacking county and state programs, Brookfield buyers can access meaningful assistance despite the higher home prices in the area.
County Programs in Waukesha County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HOME Consortium Down Payment Assistance (Waukesha County) | Forgivable Loan | Up to $10,000 | Yes | View → |
| WORTH Down Payment Assistance Program | Grant | Up to $8,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $8,000
- First-time only:
- Yes
State Programs in Wisconsin
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| WHEDA Advantage Conventional Loan | Government-Insured Mortgage | Low down payment first mortgage (as low as 3% down) | Yes | View → |
| WHEDA Advantage FHA Loan | Government-Insured Mortgage | Low down payment first mortgage (3.5% down) | Yes | View → |
| WHEDA Capital Access DPA | Deferred Loan | $7,500 (0% interest, deferred second mortgage) | No | View → |
| WHEDA Easy Close DPA | Repayable Loan | Up to 6% of purchase price | Yes | View → |
| WHEDA Tax Advantage (Mortgage Credit Certificate) | Tax Credit | Up to $2,000 per year in federal tax credits | Yes | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Low down payment first mortgage (as low as 3% down)
- First-time only:
- Yes
- Type:
- Government-Insured Mortgage
- Amount:
- Low down payment first mortgage (3.5% down)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- $7,500 (0% interest, deferred second mortgage)
- First-time only:
- No
- Type:
- Repayable Loan
- Amount:
- Up to 6% of purchase price
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Up to $2,000 per year in federal tax credits
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Downpayment Plus Program (FHLBank Chicago) | Grant | Up to $6,000 (3:1 match of buyer contribution, max $6,000) | No | View → |
| Habitat for Humanity of Waukesha County Homeownership Program | Zero-Interest Loan | Affordable mortgage based on income (below-market financing) | No | View → |
- Type:
- Grant
- Amount:
- Up to $6,000 (3:1 match of buyer contribution, max $6,000)
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage based on income (below-market financing)
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. Review income limits for the HOME Consortium DPA, which serves Waukesha County homebuyers. The WORTH program serves first-time buyers at or below 60% or 100% of HUD Area Median Income. WHEDA state programs have their own income and purchase price limits by county.
Step 2: Complete homebuyer education. The HOME Consortium DPA requires completion of a homebuyer counseling program. The WORTH program requires 8 hours of counseling with a HUD-certified agency. Contact Housing Resources Inc at 414-461-6330 to enroll in homebuyer education workshops.
Step 3: Contact Waukesha County Community Development. Reach out to Waukesha County staff to determine eligibility for the HOME Consortium DPA program and discuss the application process for the forgivable $10,000 loan.
Step 4: Get pre-approved for a mortgage. Work with a WHEDA-approved lender to explore state loan products like the WHEDA Advantage Conventional or FHA Loan. Ask your lender about the Downpayment Plus Program through FHLBank Chicago, which provides up to $10,000 in forgivable grants at closing.
Step 5: Find a home in Brookfield. The HOME Consortium DPA and WORTH program cover all of Waukesha County, including Brookfield. Verify that the home price falls within WHEDA purchase price limits for Waukesha County.
Step 6: Submit your applications. The HOME Consortium DPA can be combined with other assistance programs including WHEDA, FHLBank, and HUD programs. Gather proof of income, a signed purchase agreement, and your homebuyer education certificate.
Frequently Asked Questions
How much down payment assistance can I get in Brookfield?+−
Do I have to be a first-time homebuyer to qualify?+−
Are homes in Brookfield affordable enough to qualify for assistance programs?+−
What homebuyer education is required?+−
Can I combine multiple assistance programs?+−
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