See programs you qualify for
Get Matched Free →Homebuyer Programs in Sheboygan, WI (2026)
Sheboygan is a lakefront city on Lake Michigan in eastern Wisconsin with a median home price around $260,000. First-time buyers in Sheboygan can access several local programs, including Partners for Community Development Homebuyer Assistance, which offers a 0% interest deferred loan for down payment and closing costs, and the NeighborWorks Green Bay Down Payment Assistance program with loans up to $15,000 at 0% interest. Lakeshore CAP also provides down payment assistance to income-eligible households in Sheboygan County. 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 combining local nonprofit and state programs, Sheboygan buyers can significantly reduce their upfront homebuying costs.
City Programs in Sheboygan
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| 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 → |
- Type:
- Deferred Loan
- Amount:
- Up to $15,000 (standard loans up to $7,000; enhanced loans up to $15,000)
- 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 | Up to $7,500 (between $3,050 and 3% of purchase price) | Yes | 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:
- Up to $7,500 (between $3,050 and 3% of purchase price)
- First-time only:
- Yes
- 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 → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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 |
|---|---|---|---|---|
| Habitat for Humanity Lakeside Homeownership Program | Zero-Interest Loan | 0% interest mortgage for affordable homeownership | No | View → |
| Lakeshore CAP Home Buyer Program | Grant | Down payment assistance for eligible households | Yes | View → |
| Partners for Community Development Homebuyer Assistance | Deferred Loan | 0% interest deferred loan for down payment and closing costs | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- 0% interest mortgage for affordable homeownership
- First-time only:
- No
- Type:
- Grant
- Amount:
- Down payment assistance for eligible households
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- 0% interest deferred loan for down payment and closing costs
- First-time only:
- Yes
How to Apply
Check your eligibility. Review income limits for local programs. Partners for Community Development serves homebuyers between 80% and 150% of County Median Income. NeighborWorks Green Bay programs are available to households at or below 120% AMI. WHEDA state programs have their own income and purchase price limits by county.
Complete homebuyer education. Most programs require a HUD-approved homebuyer education course. Contact Lakeshore CAP at 920-803-6991 for local class options and one-on-one housing counseling in Sheboygan County.
Contact a local housing partner. Reach out to Partners for Community Development for their deferred loan program, or Lakeshore CAP for comprehensive homebuyer readiness services including financial planning and credit review.
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, which can be combined with down payment assistance programs.
Find a home in Sheboygan County. Most local programs require the property to be a single-family, owner-occupied home within Sheboygan County. Homes must meet applicable housing quality standards.
Submit your applications. Apply to the programs that fit your situation. Partners for Community Development requires a minimum $1,000 contribution toward the purchase. Gather proof of income, a signed purchase agreement, and evidence of homebuyer education completion.