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Get Matched Free →Homebuyer Programs in West Allis, WI (2026)
West Allis is a city of about 60,000 residents in Milwaukee County, Wisconsin, located immediately west of Milwaukee and part of the greater Milwaukee metro area, with a median home price around $265,000. Homebuyers in West Allis can access the City of West Allis Home Buyer Loan Program, which provides up to $5,000 in 0% interest down payment assistance. The WORTH Down Payment Assistance Program offers grants up to $8,000 for qualifying first-time buyers in Milwaukee County. The Downpayment Plus Program from FHLBank Chicago provides up to $6,000 in forgivable grant assistance, and the NACA Purchase Program offers mortgages with no down payment, no closing costs, and no PMI. At the state level, WHEDA offers the Capital Access DPA (up to $7,500) and Easy Close DPA (up to 6% of purchase price). By combining local and state programs, eligible West Allis buyers could receive over $26,000 in combined assistance toward their home purchase.
City Programs in West Allis
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of West Allis Home Buyer Loan Program | Deferred Loan | Up to $5,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $5,000
- First-time only:
- Yes
County Programs in Milwaukee County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| WORTH Down Payment Assistance Program | Grant | Up to $8,000 | Yes | View → |
- 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 | 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 |
|---|---|---|---|---|
| Downpayment Plus Program (FHLBank Chicago) | Grant | Up to $6,000 (3:1 match of buyer contribution, max $6,000) | No | View → |
| NACA Purchase Program | Zero-Interest Loan | No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate | 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:
- No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate
- First-time only:
- No
How to Apply
Check your eligibility. The City of West Allis program requires low to moderate household income. The WORTH program requires income at or below 60% or 100% of HUD Area Median Income depending on the tier. WHEDA state programs have separate income limits.
Complete homebuyer education. You must complete a homebuyer counseling course from a HUD-Certified Housing Counselor. Contact a Milwaukee-area HUD-approved counseling agency to schedule your course. The WORTH program requires 8 hours of counseling with a Milwaukee-based HUD-certified agency.
Contact the West Allis Housing Office at (414) 302-8426 or rahlm@westalliswi.gov to learn about the Home Buyer Loan Program and confirm current funding availability. Submit your application at least 3 weeks before your scheduled closing date.
Get pre-approved for a mortgage. Work with a WHEDA-approved lender to explore the WHEDA Advantage loan products and Capital Access or Easy Close DPA options. Ask your lender about the Downpayment Plus Program from FHLBank Chicago. For the NACA program, attend a NACA homebuyer workshop to begin the qualification process.
Find a home in West Allis. The City program requires the property to be a single-family home or duplex located in West Allis, with purchase price limits of $269,000 for single-family and $344,000 for duplex. The property must pass a city inspection.
Submit your applications. Your lender and housing counselor will help coordinate paperwork for multiple programs. Allow 30-60 days for processing.