See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 9, 2026

Homebuyer Programs in Green Bay, WI (2026)

Population: 107,000 | Median home price: $273,000 | Est. closing costs: $5,500 - $8,000

Green Bay is northeastern Wisconsin's largest city and an economic hub in Brown County, with a median home price of around $273,000. Homebuyers can access NeighborWorks Green Bay's down payment assistance offering up to $15,000 in zero-interest deferred loans, the Great Being Home Program providing up to $10,000 in grants for qualifying local employees, and the Newcap Homebuyer Program offering up to $10,000 in deferred loans. Brown County's NE Wisconsin CDBG program adds further assistance covering up to 50% of the required down payment. At the state level, WHEDA's Capital Access DPA provides up to $7,500 as a deferred zero-interest loan, the Easy Close DPA offers up to 6% of the purchase price, and the Tax Advantage Mortgage Credit Certificate saves buyers up to $2,000 per year in federal taxes. By combining local, state, and federal programs, eligible Green Bay buyers could access over $25,000 in total assistance.

City Programs in Green Bay

Program Name	Type	Amount	First-Time Only	Details
Great Being Home Program (Green Bay)	Grant	Up to $10,000 ($5,000 grant plus additional assistance)	No	View →
NeighborWorks Green Bay Down Payment Assistance	Deferred Loan	Up to $15,000 (standard loans up to $7,000; enhanced loans up to $15,000)	No	View →

Great Being Home Program (Green Bay)

Type:: Grant
Amount:: Up to $10,000 ($5,000 grant plus additional assistance)
First-time only:: No

NeighborWorks Green Bay Down Payment Assistance

Type:: Deferred Loan
Amount:: Up to $15,000 (standard loans up to $7,000; enhanced loans up to $15,000)
First-time only:: No

County Programs in Brown County

Program Name	Type	Amount	First-Time Only	Details
NE Wisconsin CDBG Homebuyer Assistance (Brown County)	Deferred Loan	Up to 50% of required down payment (not to exceed 10% of purchase price)	No	View →

NE Wisconsin CDBG Homebuyer Assistance (Brown County)

Type:: Deferred Loan
Amount:: Up to 50% of required down payment (not to exceed 10% of purchase price)
First-time only:: No

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 →

WHEDA Advantage Conventional Loan

Type:: Government-Insured Mortgage
Amount:: Low down payment first mortgage (as low as 3% down)
First-time only:: Yes

WHEDA Advantage FHA Loan

Type:: Government-Insured Mortgage
Amount:: Low down payment first mortgage (3.5% down)
First-time only:: Yes

WHEDA Capital Access DPA

Type:: Deferred Loan
Amount:: $7,500 (0% interest, deferred second mortgage)
First-time only:: No

WHEDA Easy Close DPA

Type:: Repayable Loan
Amount:: Up to 6% of purchase price
First-time only:: Yes

WHEDA Tax Advantage (Mortgage Credit Certificate)

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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →
Greater Green Bay Habitat for Humanity Homeownership Program	Zero-Interest Loan	Affordable new-construction home with zero-interest mortgage (payments set at 28-30% of gross income)	Yes	View →
Newcap Homebuyer Program (Green Bay)	Deferred Loan	Up to $10,000	No	View →

Downpayment Plus Program (FHLBank Chicago)

Type:: Grant
Amount:: Up to $6,000 (3:1 match of buyer contribution, max $6,000)
First-time only:: No

Greater Green Bay Habitat for Humanity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable new-construction home with zero-interest mortgage (payments set at 28-30% of gross income)
First-time only:: Yes

Newcap Homebuyer Program (Green Bay)

Type:: Deferred Loan
Amount:: Up to $10,000
First-time only:: No

Free eligibility check

18 programs available in Green Bay. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most Green Bay programs require income at or below 80-120% AMI for Brown County. NeighborWorks Green Bay programs accept households up to 120% AMI, while CDBG and Downpayment Plus programs cap at 80% AMI.

Step 2: Complete homebuyer education. All Green Bay programs require homebuyer education through NeighborWorks Green Bay. Contact them at nwgreenbay.org or visit their office to enroll in a course.

Step 3: Contribute your minimum down payment. Most programs require at least $1,000 of your own funds toward the purchase. The CDBG program requires a 1:1 match of assistance received.

Step 4: Get pre-approved for a mortgage. Work with a WHEDA-approved lender to explore WHEDA Advantage Conventional or FHA loans, which can be paired with state DPA programs. Local lenders like CoVantage Credit Union also participate in Downpayment Plus.

Step 5: Check employer-based programs. If you work for the City of Green Bay, a local small business with 25 or fewer employees, or a Green Bay-based nonprofit, you may qualify for the Great Being Home Program. Email greatbeinghome@nwgreenbay.org for details.

Step 6: Find a home within Green Bay city limits. Work with a real estate agent to find an eligible property. The home must be owner-occupied as your primary residence and can be 1-2 units.

Step 7: Close on your home. Your lender and NeighborWorks Green Bay will coordinate all DPA funds at closing. The standard turnaround for NeighborWorks assistance is about 30 days from complete documentation.

Frequently Asked Questions

How much down payment assistance can I get in Green Bay?+

Green Bay buyers can potentially stack multiple programs. NeighborWorks Green Bay offers up to $15,000 in zero-interest deferred loans. The Great Being Home Program provides up to $10,000 in grants for qualifying local employees. Newcap offers up to $10,000 in deferred loans. The Downpayment Plus Program from FHLBank Chicago adds up to $6,000 in matching grants. At the state level, WHEDA's Capital Access DPA provides up to $7,500 and the Easy Close DPA offers up to 6% of the purchase price. Combined, eligible buyers could access over $25,000 in assistance.

Do I have to be a first-time homebuyer to qualify?+

Several Green Bay programs do NOT require first-time buyer status. NeighborWorks Green Bay's down payment assistance, the Great Being Home Program, the NE Wisconsin CDBG program, and the Newcap Homebuyer Program are all open to repeat buyers. However, WHEDA state programs generally require first-time buyer status (no homeownership in the past 3 years) unless you purchase in a targeted area. Habitat for Humanity does require first-time buyer status.

What is the maximum home price I can pay?+

NeighborWorks Green Bay's programs do not publish a specific purchase price limit, though the enhanced loan has location restrictions within Brown County. WHEDA programs have purchase price limits that vary by county. The CDBG program limits assistance to 10% of the purchase price. Contact a WHEDA-approved lender for current Brown County purchase price limits.

What homebuyer education is required?+

All Green Bay DPA programs require homebuyer education and counseling through NeighborWorks Green Bay. Their courses cover financial literacy, the homebuying process, and post-purchase maintenance. Visit nwgreenbay.org to register for upcoming classes.

What is the Great Being Home Program?+

Great Being Home is an employer-assisted housing program that provides up to $10,000 toward down payment, closing costs, or home repairs. You must work for the City of Green Bay, a Green Bay-based business with 25 or fewer employees, a Green Bay-based nonprofit, or another participating employer. The home must be within Green Bay city limits and owner-occupied. Email greatbeinghome@nwgreenbay.org for details.

What if I have a lower income and need a more affordable home?+

Greater Green Bay Habitat for Humanity builds new homes in Brown County and sells them with zero-interest mortgages to qualifying low- to moderate-income families. Monthly payments are set at 28-30% of gross income and cover the mortgage, property taxes, and insurance. The spring 2026 application cycle selects approximately 7 families. Contact Habitat at greenbayhabitat.org for application details.