See programs you qualify for

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

Homebuyer Programs in West Allis, WI (2026)

Population: 60,000 | Median home price: $265,000 | Est. closing costs: $5,500 - $8,000

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 →

City of West Allis Home Buyer Loan Program

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 →

WORTH Down Payment Assistance Program

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 →

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 →
NACA Purchase Program	Zero-Interest Loan	No down payment, no closing costs, no PMI, no fees, and below-market fixed interest rate	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

NACA Purchase Program

Type:: Zero-Interest Loan
Amount:: No down payment, no closing costs, no PMI, no fees, and below-market fixed interest rate
First-time only:: No

Free eligibility check

16 programs available in West Allis. See which ones you qualify for.

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: Submit your applications. Your lender and housing counselor will help coordinate paperwork for multiple programs. Allow 30-60 days for processing.

Frequently Asked Questions

How much down payment assistance can I get in West Allis?+

West Allis buyers can access several programs: the City of West Allis Home Buyer Loan Program offers up to $5,000, the WORTH Down Payment Assistance Program provides grants up to $8,000, and the Downpayment Plus Program from FHLBank Chicago offers up to $6,000. The NACA Purchase Program eliminates the need for a down payment entirely. At the state level, WHEDA Capital Access DPA provides up to $7,500 and WHEDA Easy Close DPA offers up to 6% of the purchase price. Eligible buyers who qualify for multiple programs could stack over $26,000 in assistance.

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

The City of West Allis program and WORTH program both require first-time buyer status, generally defined as not having owned a home in the past three years. The NACA Purchase Program does not require first-time buyer status. Some WHEDA products may waive the requirement in targeted areas.

What is the maximum home price I can pay?+

The City of West Allis program limits single-family home purchases to $269,000 and duplexes to $344,000. WHEDA sets separate maximum purchase price limits by county. Contact the West Allis Housing Office at (414) 302-8426 to confirm current price limits.

What homebuyer education is required?+

The City of West Allis program requires completion of a homebuyer counseling course from a HUD-Certified Housing Counselor. The WORTH program requires 8 hours of counseling with a HUD-certified agency based in Milwaukee. Several HUD-approved agencies serve the Milwaukee County area.

Does the City of West Allis loan need to be repaid?+

The City of West Allis Home Buyer Loan Program provides a $5,000 loan at 0% interest with monthly payments of approximately $40. You must remain as the occupant of the home for 5 years. This differs from some other programs where the loan is fully forgiven. The WORTH program, by contrast, is a grant that is forgiven after 3 years of owner-occupancy.