{"version":"1.0","type":"card","id":"7e192a1e-ddf2-427f-a182-1cea23c02e39","url":"https://stacklist.com/card/7e192a1e-ddf2-427f-a182-1cea23c02e39","title":"Down Payment Assistance for First Time Homebuyers","source_url":"https://www.cityofmadison.com/dpced/community-development/housing/resources-for-homebuyers-and-property-owners/down-payment","note":"Home-Buy the American Dream (HBAD) is a down payment and closing cost assistance program aimed at supporting low-to-moderate income homebuyers purchase a single-family home, condominium, or one-half of a duplex in the City of Madison. Applications for this program must be submitted on your behalf by a first mortgage lender. Qualified homebuyers may be eligible for up to $35,000.\n","image":{"url":"https://ucarecdn.com/c0339870-3d4e-4a97-b0d9-710b08698fc3/","alt":"Down Payment Assistance for First Time Homebuyers","width":1080,"height":1080},"stack":{"id":"f7340d29-3bf2-4188-9239-5372665f8e3a","title":"First-Time Homebuyer Resources for Dane County","url":"https://stacklist.com/c/finance/stack/f7340d29-3bf2-4188-9239-5372665f8e3a"},"created_at":"2026-07-17T14:29:27.156Z","updated_at":null,"aco":{"summary":"Home-Buy the American Dream (HBAD) is a City of Madison program providing up to $35,000 in down payment and closing cost assistance to low-to-moderate income first-time homebuyers purchasing eligible properties within city limits. Applications must be submitted by a first mortgage lender, with a typical processing time of 20 business days and requirements including housing quality and lead-based paint inspections.","tags":["down-payment-assistance","first-time-homebuyer","housing-program","city-of-madison","low-income-housing","closing-cost-assistance","community-development"],"key_entities":[{"name":"City of Madison","type":"organization","confidence":0.99},{"name":"Home-Buy the American Dream (HBAD)","type":"concept","confidence":0.98},{"name":"Madison, WI","type":"location","confidence":0.97},{"name":"CDBG Committee","type":"organization","confidence":0.85},{"name":"Movin' Out","type":"organization","confidence":0.75},{"name":"Habitat for Humanity","type":"organization","confidence":0.8},{"name":"Dane County","type":"location","confidence":0.7},{"name":"Housing Quality Standards (HQS)","type":"concept","confidence":0.85}],"classification":"reference","language":"en","confidence":0.85,"provenance":{"model":"claude-opus-4-6","tool":"@stacklist/mcp-server@2.0.0","confidence":0.85,"timestamp":"2026-07-17T14:29:35.933Z"},"token_counts":{"approximate":825,"cl100k":661},"content_hash":"sha256:261118db391c3df0e75681c6d803828c17680ce540ac8d359413bd636b3290f8","acp_version":"0.2","body_available":true,"body_tokens":825,"visibility":"public","agent_accessible":true,"status":"final"},"_links":{"self":"/api/public/card/7e192a1e-ddf2-427f-a182-1cea23c02e39.json","html":"https://stacklist.com/card/7e192a1e-ddf2-427f-a182-1cea23c02e39","md":"/api/public/card/7e192a1e-ddf2-427f-a182-1cea23c02e39.md","stack_json":"/api/public/stack/f7340d29-3bf2-4188-9239-5372665f8e3a.json"}}