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 45,000 51,400 57,850 64,250 69,400 74,550 79,700 84,850
Columbia 51,800 59,200 66,600 74,000 79,950 85,850 91,800 97,700
Dodge 45,560 52,200 58,700 65,200 70,450 75,650 80,850 86,100
Juneau 45,000 51,400 57,850 64,250 69,400 74,550 79,700 84,850
Sauk 46,050 52,600 59,200 65,750 71,050 76,300 81,550 86,800

  • 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.