---
title: "Home Down Payment Assistance Madison | Dane County Home Buying Program"
url: https://stacklist.com/card/af9e16db-0781-4d79-96c7-a64e32f8ac58
source_url: "https://homebuyersroundtable.org/looking-to-buy/finance-your-home/down-payment-assistance-search/"
stack: https://stacklist.com/c/finance/stack/f7340d29-3bf2-4188-9239-5372665f8e3a
summary: "Home Buyers Round Table provides a searchable guide to down payment and closing cost assistance programs available to homebuyers in Madison, Dane County, and greater Wisconsin. Programs include Home-Buy the American Dream, Downpayment Plus (DPP), Home Buyers Round Table DPA Grant, and Movin' Out Madison Home, each with specific eligibility criteria, income limits, and loan or grant amounts."
tags: "down-payment-assistance, home-buying, first-time-buyer, madison, dane-county, low-income-housing, mortgage-assistance"
key_entities: "Home Buyers Round Table (organization), City of Madison (organization), Federal Home Loan Bank of Chicago (organization), Movin' Out (organization), HUD (organization), Madison (location), Dane County (location), Wisconsin (location), Down Payment Assistance (concept), Downpayment Plus (DPP) (concept), Home-Buy the American Dream (concept)"
classification: "reference"
content_hash: "sha256:fd6bba650a6936e8b6a461d7ca51e1889d3957e27605b6fd9a9bd6ab74dfc9d0"
acp_version: "0.2"
token_counts_approximate: 1877
visibility: public
agent_accessible: true
status: "final"
---

# Home Down Payment Assistance Madison | Dane County Home Buying Program

Down Payment Assistance Search Not all programs can be used together. See 2026 DPA Matrix for more information. Are you a first-time home buyer? Yes No Some programs consider a first time buyer someone who has not owned a home in the last 3 years. What is your annual household income? How many people will be living in your home? Where are you looking for a home? City of Madison Dane County (outside Madison) Wisconsin (outside Dane County) Check all locations that apply Home-Buy the American Dream The City of Madison provides a mortgage loan (which can be applied to down payment and closing costs as well) of up to $35,000 for properties in the City of Madison. This loan has no monthly payments for eligible buyers. The loan, including shared appreciation, will become due and payable at sale, when the property is no longer owner-occupied, or the first mortgage is refinanced for cash-out purposes not related to home improvement. Purchaser must have a down payment of at least 1% of the purchase price. Minimum housing-to-income ratio of 25%, maximum of 38/55%. Maximum liquid assets after closing less then 12 months of principal, interest, taxes, and insurance; case-by-case exception if no traditional retirement savings. HUD approved education and counseling required. HQS/LBP inspection required. Contact 608-266-4223 (Terri), 608-266-6520, or homeloans@cityofmadison.com. Downpayment Plus (DPP) DPP provides down payment and closing cost assistance to low-to-moderate income* homebuyers throughout Wisconsin and Illinois. The first mortgage must be through a Federal Home Loan Bank of Chicago member. Assistance comes in a 0% loan which is forgiven over a five-year period. The maximum loan amount is the lesser of $10,000 or 25% of the first mortgage amount. The purchaser must provide a down payment of at least l% of the transaction amount. Home buyer education is required by a HUD-approved counseling agency or by an online provider approved by FHLBank. Home buyer education is required by a HUD-approved counseling agency. Ask your bank or credit union if they participate. DPP is program offered by Federal Home Loan Bank and its members. Downpayment Plus (DPP) (Outside Dane County) The income limits for DPP are 80% of county median income. DPP provides down payment and closing cost assistance to low-to-moderate income* homebuyers throughout Wisconsin and Illinois. The first mortgage must be through a Federal Home Loan Bank of Chicago member. Assistance comes in a 0% loan which is forgiven over a five-year period. The maximum loan amount is the lesser of $10,000 or 25% of the first mortgage amount. The purchaser must provide a down payment of at least l% of the transaction amount. Home buyer education is required by a HUD-approved counseling agency or by an online provider approved by FHLBank. Home buyer education is required by a HUD-approved counseling agency. Ask your bank or credit union if they participate. DPP is program offered by Federal Home Loan Bank and its members. Home Buyers Round Table DPA Grant Provides a $500 grant for down payment and closing cost assistance to low-to-moderate income* homebuyers in Madison and Dane County. No inspection is required. May be combined with other programs. A limited number of grants is available. See https://homebuyersroundtable.org/down-payment-closing-cost-grant/ Movin' Out Madison Home Movin’ Out Madison Home provides a mortgage loan (including down payment and closing) for up to $75,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least 1% of the purchase price. Principal and equity share is repaid at resale. Requires a HQS, lead, and third party inspection. Cannot be used together with Home-Buy the American Dream. Available in Madison. Call (608)251-4446, extension 7 or email info@movin-out.org. Movin' Out Dane County CDBG Movin’ Out Dane County CBDG provides a mortgage loan (including down payment and closing) for up to $35,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least 1% of the purchase price. Principal and equity share is repaid at resale. Requires a HQS, lead, and third party inspection. Available in Dane County. Call (608)251-4446, extension 7 or email info@movin-out.org. Movin' Out HCRI The income limit for this program is 80% of the County Median Income. Movin’ Out HCRI provides a mortgage loan (including down payment and closing) for up to $10,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least %500/$1000. Principal and equity share is repaid at resale. Available in all of Wisconsin. Requires a third party inspection. Call (608)251-4446, extension 7 or email info@movin-out.org. Movin' Out HHR The income limit for this program is 80% of the County Median Income. Movin’ Out HHR provides a mortgage loan (including down payment and closing) for up to $30,000 for low-to-moderate income* households where at least one household member has a permanent disability. This does NOT include disabilities because of the aging process. Borrowers should contact Movin’ Out to reserve funds even before pre-approval. The purchaser must provide a down payment of at least %500/$1000. Principal and equity share is repaid at resale. Available in all of Wisconsin. Requires an HQS, lead, radon, and third party inspection. Call (608)251-4446, extension 7 or email info@movin-out.org. WHEDA Easy Close Advantage Assistance to home buyers who have a WHEDA first mortgage. Do not have to be a first-time homebuyer. Buyers may use the funds for a down payment, closing costs and home buyer education expenses. The minimum loan is $1,000 or up to 6% of purchase price for both Conventional and FHA. The loan term is 10 years with monthly payments, which include interest. No borrower down payment required on a single-family home, warrantable condo & double wide; 3% down payment on a 2-4 unit property. See: www.wheda.com. WHEDA Easy Close Advantage Income limits depend on the county. This program provides assistance to home buyers who have a WHEDA first mortgage. Do not have to be a first-time homebuyer. Buyers may use the funds for a down payment, closing costs and home buyer education expenses. The minimum loan is $1,000 or up to 6% of purchase price for both Conventional and FHA. The loan term is 10 years with monthly payments, which include interest. No borrower down payment required on a single-family home, warrantable condo & double wide; 3% down payment on a 2-4 unit property. See: www.wheda.com. We're Sorry! No programs were available, based on the information you provided. Please contact info@homebuyersroundtable.org if you have questions. You will also find more information on down payment assistance programs by attending a Homebuyer Education Seminar. Please check our calendar for upcoming classes. Submit