: Backed by the Federal Housing Administration, this 30-year fixed-rate option is often easier to qualify for but requires a slightly higher credit score of 640 through WHEDA.

: A 10-year fixed-rate second mortgage providing between $1,000 and 6% of your purchase price .

Unlocking the Badger State: A Guide to Wisconsin Home Buying Programs in 2026

Finding your way into a new home in Wisconsin doesn't have to mean draining every cent of your savings. Whether you are a first-time buyer or looking to move back to the dairy state, a robust network of state and local programs exists to help lower your upfront costs and secure better interest rates. The Power of WHEDA: Your Primary Resource