Down Payment Assistance Loans

First Time Home Buyer Program

Down Payment Assistance
1000 HWY 13
PO Box 430
Wisconsin Dells, WI 53965

Kelly Hess
Program Manager
(608) 254-8353 ext. 234

new homeowners

Program Features

  • Loan to support purchase of single family home you will live in
  • Loan is 0% interest deferred payment
  • No payment on the loan is required until the home is sold, or is no longer the borrower’s primary residence
  • The maximum amount allowed for a 2nd mortgage through the Homebuyer Program is $10,000 and may be applied to lender required down payment


Borrower Requirements & Qualifications

  • Must be pre-qualified for a conventional loan through a reputable lender-Bank, Credit Union, or USDA Rural Development – LENDER INFORMATION 
  • No FHA or VA loans
  • Property must be located in our County Service Area: Adams, Columbia, Dodge, Juneau, Sauk
  • Meet program income eligibility guidelines, household income must be at or below 80% County Median Income (CMI) to be eligible for the 2nd Mortgage

Persons In Family

COUNTY 1 2 3 4 5 6 7 8
Adams 47,600 54,400 61,200 68,000 73,450 78,900 84,350 89,8070
Columbia 54,850 62,650 70,500 74,300 84,600 90,850 97,100 103,400
Dodge 48,350 55,250 62,150 69,050 74,600 80,100 85,650 91,150
Juneau 47,600 54,400 61,200 68,000 73,450 78,900 84,350 89,800
Sauk 48,750 55,700 62,650 69,600 75,200 80,750 86,350 91,900

  • Be mortgage ready and able to secure affordable superior mortgage loan with 30-year fixed term mortgage from Bank, Credit Union, or USDA Rural Development
  • CWCAC Inc. will not provide a 2nd mortgage for a house purchase transaction that does not have a fixed rate mortgage.
  • Complete Home Buyer Education course provided by a HUD approved counseling agency. Click on this link to complete the ONLINE HOME BUYER Education Course
  • No land contracts allowed
  • Must provide a cash contribution $1,000 of borrower funds, (not financed), toward purchase-earnest money, inspection fee, H.O. Insurance Premium, Cash to Close
  • Property may not be renter occupied or for any type of rental use

Property Requirements

  • Move in ready-must meet Housing Quality Standards at the time of purchase
  • Property value must not exceed HUD established county limits
  • Must be fee simple title at purchase
  • Homes that qualify for a 2nd mortgage can be stick built, modular, new manufactured or condominium on a permanent foundation. A home on a rented or leased lot does not qualify.

Download the fillable application ↑
Email the completed application to

Subordination Requirement

The Executive Committee of the Board of Directors for Central Wisconsin Community Action Council, Inc. has
set standards for subordination of mortgages funded through the HOME Program.