WHEDA still links a 2021 comparison sheet with the wrong Capital Access amount
Program and regulatory figures verified October 4, 2026. Details change; confirm your scenario with us.
This is not a third-party error. It is on the operator's own site, it is still the live link, and it is the first thing a careful borrower finds when they go looking for the real numbers.
What exactly does the old sheet say?
The comparison sheet describes Capital Access with a minimum loan amount of $3,050 and a maximum of the greater of $3,050 or 3% of purchase price on the Advantage Conventional program, or 3.5% on Advantage FHA. It also describes a property restriction waiver tied to a specific number of loans. Its footer reads Updated 5/19/2021.
The Capital Access Advantage Product Matrix, which is the program's own matrix, states a single loan amount: $7,500. WHEDA's live available-programs page states the same. The percentage structure is gone.
| Capital Access amount | Source | Date |
|---|---|---|
| Greater of $3,050 or 3% / 3.5% | DPA comparison sheet | 5/19/2021 |
| $7,500 flat | Capital Access Advantage Product Matrix | Current |
| $7,500 flat | wheda.com available programs | Read 2026-10-04 |
Why does a stale PDF matter to a buyer?
Because the two structures produce different answers at different price points, and the error runs in both directions. On a $150,000 purchase, 3% is $4,500 and the current flat $7,500 is considerably more. On a $300,000 purchase, 3% would be $9,000 and the real figure is less. A borrower planning their cash to close from the old sheet is wrong either way.
It also matters because people reasonably trust the agency's own documents over a lender's. When those disagree, the dated one wins, and checking the footer takes five seconds.
How do I know which WHEDA document is current?
Look for the revision line. WHEDA dates its documents properly: the Advantage Conventional Underwriting Guide carries Last updated 03/11/2026 at the top of page one, the income and purchase price limits sheet carries Effective 06/13/2026, and the comparison sheet carries Updated 5/19/2021 in its footer. The date is always there. The habit of reading it is what is missing.
Our standing rule internally is that a source's date beats its authority. An operator's own page can be years stale while a program matrix two clicks away is current.
What should I rely on instead?
For Capital Access terms, the Capital Access Advantage Product Matrix. For income and purchase price limits, the current limits sheet effective 6/13/2026 and the separate Capital Access income and purchase price limits. For underwriting mechanics, the Advantage Conventional Underwriting Guide. And for whether funds are actually available today, ask before you plan around it, because Capital Access funds are limited and reserved at rate lock.
Frequently asked questions
How much is WHEDA Capital Access down payment assistance?
A flat $7,500. The Capital Access Advantage Product Matrix and WHEDA's live program page both state this amount. An older comparison sheet still linked from wheda.com describes it as the greater of $3,050 or 3% to 3.5% of purchase price, but that document is dated 5/19/2021 and is superseded.Why do WHEDA documents show different Capital Access amounts?
Because one of them has not been revised since 2021. The DPA comparison sheet carries a footer reading Updated 5/19/2021 and still shows the old percentage-based structure. The current Capital Access Advantage Product Matrix states a flat $7,500, and WHEDA's live program page agrees with the matrix.How do I tell whether a WHEDA document is current?
Check the revision line, which WHEDA includes on every document. The underwriting guide shows Last updated 03/11/2026, the income and purchase price limits sheet shows Effective 06/13/2026, and the outdated comparison sheet shows Updated 5/19/2021 in its footer.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.