Tell us the county, the household size and the address
Program and regulatory figures verified October 4, 2026. Details change; confirm your scenario with us.
The fastest way to a useful answer is the county, how many people are in the household, and the address if you have one.
What should I send?
County, household size, approximate household income and the property address if you have one. That lets us check both income tables and the Capital Access property designation in one pass, instead of guessing which program you meant.
What comes back?
Which of the two WHEDA programs matches your household, the income row that applies to you, what the assistance would come to, and, if Easy Close is the answer, what carrying that second for ten years does to the first mortgage amount the file supports. If Capital Access is in play we will confirm current availability rather than assume it.
Do you lend across all of Wisconsin?
Yes, statewide across all 72 counties, which all sit at the same $832,750 conventional loan limit. What varies is your WHEDA income row, from $105,800 for a one-to-two person household in most of the state up to $135,300 in Dane County, whether your city carries its own target row, and whether the address qualifies for Capital Access.
Frequently asked questions
How do I apply for WHEDA down payment assistance?
Through a WHEDA-participating lender, because both assistance programs are second mortgages that must sit behind a WHEDA Advantage first mortgage. Send your county, household size and the property address and we will confirm which program your income allows before you write an offer.Do you lend across all of Wisconsin?
Yes, statewide across all 72 counties, which all sit at the same $832,750 conventional loan limit. What varies is the WHEDA income row for your county, whether your city carries its own target row, and whether a specific address qualifies for Capital Access.How quickly will someone respond?
Our team reviews every Wisconsin scenario and reaches out shortly, usually with the program that fits, the income row that applies and an honest read on whether the assistance helps or hurts your borrowing power. If something is time sensitive, calling (480) 296-6513 is faster than the form.Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content about financing, not a loan commitment and not legal or tax advice. WHEDA program terms, income limits and purchase price limits are set by the Wisconsin Housing and Economic Development Authority and change; figures here carry the date we verified them against WHEDA's published documents. Easy Close down payment assistance is an amortizing second mortgage with a monthly payment, not a grant. Capital Access is a deferred second mortgage repayable when the first mortgage is paid off or refinanced. Loans are subject to borrower and property qualification.