See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026
Homebuyer Programs in Sun Prairie, WI (2026)
Sun Prairie is one of Wisconsin's fastest-growing cities, located in Dane County just northeast of Madison, with a population of approximately 39,300 and a median home value around $382,000. Buyers in Sun Prairie benefit from an exceptionally strong set of assistance programs. The Dane County Momentum Homebuyer Program provides deferred loans up to $30,316 at 0% interest with no monthly payments for purchases in participating communities outside Madison. The Movin' Out Down Payment Assistance program offers up to $35,000 in deferred loans for households with a member who has a permanent disability. The Own It: Building Black Wealth program provides $19,000 grants with no repayment required for Black and brown homebuyers in the Dane County area. Combined with the Downpayment Plus Program (up to $6,000 in forgivable grants) and WHEDA state programs, eligible buyers in Sun Prairie can stack significant assistance toward their home purchase.
County Programs in Dane County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Dane County Momentum Homebuyer Program | Deferred Loan | Deferred loan up to $30,316 at 0% interest | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Deferred loan up to $30,316 at 0% interest
- 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 Dane County Homeownership Program | Zero-Interest Loan | Affordable new-construction home with zero-interest mortgage | Yes | View → |
| Madison Area Community Land Trust (MACLT) | Zero-Interest Loan | Homes priced 30% below market (recent sales between $157,000 and $235,000) | Yes | View → |
| Movin' Out Down Payment Assistance (Madison) | Deferred Loan | Up to $40,000 in City of Madison (up to $35,000 in other Dane County areas) | Yes | View → |
| Own It: Building Black Wealth Down Payment Grant | Grant | $19,000 grant | Yes | 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 new-construction home with zero-interest mortgage
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Homes priced 30% below market (recent sales between $157,000 and $235,000)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $40,000 in City of Madison (up to $35,000 in other Dane County areas)
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- $19,000 grant
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. Most Dane County programs require household income at or below 80% of the County Median Income. The Dane County Momentum program also has a purchase price limit of $347,000. WHEDA income limits for Dane County vary by household size — check the WHEDA website for current limits.
Step 2: Complete homebuyer education. The Dane County Momentum program and most other local programs require homebuyer education. The Home Buyers Round Table at homebuyersroundtable.org coordinates homebuyer education and can connect you with approved providers in the Dane County area.
Step 3: Contact the Home Buyers Round Table. Visit homebuyersroundtable.org to learn about all available programs and use their DPA search tool. They maintain a comprehensive matrix of every down payment assistance program available in Dane County.
Step 4: Apply for the Dane County Momentum Program. This program provides deferred loans up to $30,316 at 0% interest for first-time buyers purchasing in Sun Prairie and other participating Dane County communities outside Madison. Contact Dane County Community Development for details.
Step 5: Explore additional programs. The Downpayment Plus Program through FHLBank Chicago member lenders offers forgivable grants up to $6,000. Movin' Out provides up to $35,000 for households with a member with a permanent disability. The Own It: Building Black Wealth program offers $19,000 grants for qualifying Black and brown homebuyers.
Step 6: Get pre-approved for a mortgage. Work with a WHEDA-approved lender to explore state programs like WHEDA Easy Close DPA, which offers between $1,000 and 6% of the purchase price.
Step 7: Find a home and coordinate applications. Work with your lender and housing counselor to submit all program applications before closing. The Momentum program requires homes to be in a participating municipality and under the $347,000 purchase price limit.
Frequently Asked Questions
How much down payment assistance can I get in Sun Prairie?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay using these programs?+−
What homebuyer education is required?+−
What is the Dane County Momentum Program?+−
Can I use the Madison Area Community Land Trust in Sun Prairie?+−
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