If you disagree with a Wisconsin property assessment, the Board of Review is the first formal appeal step, except in cities that have a Board of Assessors. Only first-class cities, meaning Milwaukee, are required to have a Board of Assessors.

Property is assessed as of January 1. The official 2026 Guide for Property Owners, published by the Department of Revenue, is the consumer manual for these steps.

What happens before and at the Board of Review?

Open Book is the period before the Board of Review (BOR) begins when the completed assessment roll is open for examination. It is a chance to discuss your property value with the assessor and to provide a reason for changing the value, if appropriate. The assessor must be present for at least two hours while the roll is open and may meet in person, by phone, or by video conference. The municipal clerk, or the commissioner of assessments in a first-class city, must publish or post notice of the Open Book date or dates at least 15 days before the first day the roll is open, or 30 days in revaluation years when the Open Book and BOR notices are combined.

At Open Book, the assessor may make changes needed to perfect the roll. After Open Book ends, a change to your value requires a formal process in front of the Board of Review or circuit court. The Board of Review starts a minimum of seven days after the roll is open for examination.

Under section 70.47, you may appeal the assessment. The BOR is the first step, except for properties in cities with a Board of Assessors (BOA). Most Wisconsin cities do not have a BOA. Only Milwaukee, as a first-class city, is required to have one. Second-class cities may choose to have one. A BOA is an intermediate step made up of members of the assessor's staff. To start a BOA review you complete an Objection Form for Real Property Assessment (PA-115A) and provide information relating to the property's value.

You may also appeal classification, which affects agricultural, undeveloped, and agricultural forest land. Mobile or manufactured homeowners may appeal by appearing at the BOR and presenting sworn testimony as to true and correct market value, whether the home is assessed as real estate or is subject to the monthly municipal permit fee.

Useful evidence, as the Department of Revenue guide lists it, includes the assessed value on the roll and the tax bill, a recent purchase price, sale prices of comparable property, a professional appraisal, the assessment level of the taxation district, and the estimated fair market value shown on the tax bill, which is the assessment divided by the assessment level.

What comes after the Board of Review?

You cannot go to circuit court on certiorari, or to the Department of Revenue under section 70.85, unless you first appear before the BOR. A section 70.85 complaint to the Department of Revenue must be filed within 20 days after delivery of the BOR determination, or within 30 days after the mailing date on the clerk's affidavit if there is no return receipt. The appeal requires a non-refundable $100 filing fee, payable to the Wisconsin Department of Revenue, and is sent to the appropriate Equalization Bureau District Office. The letter should state that it is an appeal under section 70.85 and include the county, the municipality, and your name, mailing address, and phone number.

This Department of Revenue path is not available for properties with an assessed value over $1 million, or for properties in first-class cities (Milwaukee). The Department may not change an assessment determined to be within 10 percent of the general assessment level of all other property in the municipality, or if the property's value exceeds $1,000,000 as determined by the BOR. The Department may revalue the property any time before November 1 of the assessment year or within 60 days after receiving the appeal, whichever is later. The Department's decision may be appealed by an action for certiorari in the circuit court of the county where the property is located.

A notice of changed assessment has its own timing, which is covered in a companion article. If you missed Open Book, you may still need the BOR appearance in order to keep later appeal rights.

FAQ

Do I have to go to the Board of Review before I can appeal further?

Yes. The Department of Revenue guide states that you cannot appeal to circuit court on certiorari or to the Department under section 70.85 unless you first appear before the Board of Review. In Milwaukee, a Board of Assessors review comes first.

How long do I have to file a section 70.85 appeal with the Department of Revenue?

Within 20 days after delivery of the Board of Review determination, or within 30 days after the mailing date on the clerk's affidavit if there is no return receipt. The filing fee is $100 and is not refundable.

Can I use the section 70.85 path for a house assessed above $1 million?

No. It is not available for properties with an assessed value over $1 million, or for properties in Milwaukee.

When does the Board of Review meet relative to Open Book?

The Board of Review starts a minimum of seven days after the assessment roll is open for examination.

If an assessment change or a Board of Review deadline has you unsure about the next step, talk with a licensed local agent, and confirm dates with your assessor or clerk using the official Department of Revenue guide.

Sources: Wisconsin Department of Revenue, 2026 Guide for Property Owners; Wisconsin Statutes section 70.47; Wisconsin Statutes section 70.85.

Wisconsin's homestead credit is a state income-tax credit designed to soften the impact of property taxes and rent on people with lower incomes. For tax year 2025, household income must be less than $24,680, and the maximum credit allowed is $1,168. You claim it on Schedule H or Schedule H-EZ.

This is not a local assessment cap, and it is not a reduction that the assessor applies to your tax bill automatically. It is a Department of Revenue credit you file for, usually in 2026 for 2025 taxes or rent.

Who may claim the credit for 2025?

The Department of Revenue Homestead Credit Fact Sheet 1116, for tax year 2025, lists the qualifications. You may be able to claim the credit if all of the following are true, as the fact sheet states them:

• You occupied and owned or rented a home, apartment, or other dwelling that is subject to Wisconsin property taxes during 2025.
• You are a legal resident of Wisconsin for all of 2025.
• You are 18 years of age or older on December 31, 2025.
• Your household income was less than $24,680 for 2025.
• You (or your spouse, if married) had earned income during the year, are disabled, or are 62 years of age or older at the end of 2025.
• You cannot be claimed as a dependent for the year on someone else's federal income tax return, unless you are 62 or older on December 31, 2025.
• You (and your spouse, if married) will not claim farmland preservation credit for 2025 or the veterans and surviving spouses property tax credit based on 2025 property taxes.
• You did not live for the entire year in housing that is exempt from property taxes. Property owned by a municipal housing authority is not considered tax-exempt for this purpose if the authority makes payments in place of property taxes to the city or town. If you live in public housing, check with the rental manager.
• You will not claim the retirement income subtraction on line 16 of Schedule SB (section 71.05(6)(b)54m.) to compute your Wisconsin income for 2025.
• You did not, at the time of filing a claim, live in a nursing home and receive Title XIX medical assistance.
• You are not filing a claim on behalf of a person after their death.
• You have not received Wisconsin Works (W2) payments of any amount or county relief payments of $400 or more for all 12 months of 2025.

If you received any Wisconsin Works payment in 2025, or county relief payments of $400 or more for any month in 2025, your property taxes and rent have to be reduced by one-twelfth for each month you received any of these benefits.

Read those qualifications as a complete list from the official fact sheet, not as optional suggestions. The disabled definition is in the Schedule H instructions. The veterans and surviving spouses property tax credit is a different Department of Revenue program; the fact sheet says you cannot claim both based on 2025 property taxes.

Which schedule do you file, and how is the credit figured?

You may be able to file the shorter Schedule H-EZ if you meet every H-EZ condition on the fact sheet. Those conditions include having income only from listed sources such as wages, interest and dividends, unemployment, pensions and annuities including social security, alimony and child support, cash public assistance, and gambling winnings; not repaying an amount that was nontaxable household income on a prior homestead claim; not marrying or divorcing during 2025; using the home only for personal purposes; having the home on one acre of land or less; not selling the home during 2025; and, if married, residing with a spouse who was a Wisconsin resident all year and not maintaining separate homes. All other claims must use Schedule H.

The credit is based on the relationship of household income to the amount of property taxes and rent. The maximum credit allowed is $1,168. The fact sheet is a general overview. Detailed computation rules are in the instructions for Schedules H and H-EZ, and nothing in the fact sheet replaces Wisconsin tax law. File with current Department of Revenue forms, and keep rent certificates, tax bills, and income records with the return.

If your household income is at $24,680 or more for 2025, there is no credit under the fact sheet's income test. If you are close to that figure, include the income items the schedule requires, not only wages. Household income for this credit is broader than federal adjusted gross income.

FAQ

What is the 2025 household income limit for the homestead credit?

The Department of Revenue fact sheet states that household income must be less than $24,680 for 2025. At $24,680 or more, there is no credit.

What is the maximum homestead credit?

The official fact sheet states that the maximum credit allowed is $1,168.

Can I claim the homestead credit if I rent?

Yes, if you otherwise qualify and the dwelling is subject to Wisconsin property taxes. The credit is designed to soften the impact of property taxes and rent.

Can I claim both the homestead credit and the veterans and surviving spouses property tax credit?

No. The fact sheet says you (and your spouse, if married) will not claim the veterans and surviving spouses property tax credit based on 2025 property taxes if you are claiming homestead credit.

If you think you may qualify for the 2025 homestead credit, talk with a licensed local agent or a tax professional, and use the current Department of Revenue fact sheet and schedules.

Sources: Wisconsin Department of Revenue, Homestead Credit; Wisconsin Department of Revenue, Homestead Credit Fact Sheet 1116 (Tax Year 2025).

When a Wisconsin assessor changes the total assessment of any real property by any amount, the owner must be notified in writing. That notice is generally mailed at least 15 days before the Board of Review, or 30 days in a revaluation year.

Those steps come from the Department of Revenue's 2026 Guide for Property Owners and from sections 70.365 and 70.45 of the statutes. They are the practical path most owners use before a formal Board of Review objection.

What does a notice of changed assessment have to include?

Under section 70.365, whenever an assessor changes the total assessment of any real property by any amount, the owner must be notified. The assessor is not required to provide notice if the land is classified as agricultural land for the current year and the previous year and the difference between the assessments is $500 or less. Failure to receive a notice does not affect the validity of the changed assessment.

The notice must be in writing and mailed at least 15 days prior to the Board of Review meeting, or the meeting of the Board of Assessors if one exists, and at least 30 days prior in revaluation years. It contains the changed assessment amount and the time, date, and place of the local Board of Review, or Board of Assessors, meeting. It must also include information notifying the owner of the procedures to use to object to the assessment.

Read the new figure against last year's assessment and against the estimated fair market value on a prior tax bill. The Department of Revenue guide explains that if your property's assessment ratio is similar to the assessment level of the taxation district, the assessment is equitable. To determine your assessment ratio, divide the assessed value by the current market value of the property. You need the assessed value, a supportable current market value, and the district's assessment level to make that comparison. A recent purchase price is usually the best evidence of market value if you have just bought the property. Sale prices of comparable property and a professional appraisal are also listed as useful evidence.

The assessment date is January 1. A change notice in late spring or early summer is often about the January 1 value, not about a sale that happened later in the year. If you bought or sold after January 1, ask the assessor how the timing works for that year rather than assuming the notice is a comment on the contract price alone.

How does Open Book work?

Open Book is a period of time before the Board of Review begins when the completed assessment roll is open for examination. It is an opportunity to discuss your property value with the assessor and provide a reason for changing the value, if appropriate. The Department of Revenue guide recommends using Open Book if you are unable to meet with your assessor at another time.

The assessor must be present for at least two hours while the roll is open. An assessor can be present in person, by phone, or by video conference. Contacts may occur over the phone, through a virtual meeting, or in person at the municipality. The guide states that the assessor should accommodate requests for in-person meetings. Instructional materials on appealing your assessment to the Board of Review should be available at Open Book.

Section 70.45 requires the municipal clerk, or the commissioner of assessments in a first-class city, to publish or post a notice specifying the Open Book date or dates at least 15 days before the first day the roll is open, or 30 days in revaluation years when the Open Book and Board of Review notices are combined.

At Open Book, the assessor is allowed to make any changes necessary to perfect the assessment roll. When Open Book ends, any later change to your property value requires a formal process in front of the Board of Review or circuit court. The Board of Review starts a minimum of seven days after the roll is open for examination.

If the assessor agrees with you at Open Book, you may avoid a formal hearing. If the assessor does not agree, use the instructional materials and calendar the Board of Review appearance. As the companion article on appeals explains, you cannot go on to circuit court or to a section 70.85 Department of Revenue appeal unless you first appear before the Board of Review, except for the Board of Assessors path in Milwaukee and any city that has such a board.

FAQ

How much notice do I get of a changed assessment?

The notice must be mailed at least 15 days before the Board of Review, or Board of Assessors, meeting, and at least 30 days before in revaluation years. A narrow exception applies to certain agricultural land changes of $500 or less.

What if I never received the notice?

The Department of Revenue guide states that failure to receive a notice does not affect the validity of the changed assessment. Watch local Open Book and Board of Review notices as well.

Can the assessor change the value at Open Book?

Yes. At Open Book the assessor may make changes necessary to perfect the roll. After Open Book ends, a change requires a formal Board of Review or circuit court process.

When is property assessed?

Property is assessed as of January 1. The notice and Open Book process that follow relate to that assessment date.

If a notice of changed assessment arrived or Open Book is on the local calendar, talk with a licensed local agent, and contact your assessor or clerk about the official dates and objection procedures.

Sources: Wisconsin Department of Revenue, 2026 Guide for Property Owners; Wisconsin Statutes section 70.365; Wisconsin Statutes section 70.45.

Wisconsin imposes a real estate transfer fee on the grantor of 30 cents for each $100 of value, or fraction thereof, on every conveyance that is not exempted or excluded. That rate equals $3.00 per $1,000 of value. The register of deeds collects the fee, with a completed electronic real estate transfer return, before the document is recorded.

Counties retain 20 percent of the fee, and the state retains 80 percent. Personal property included in a sale is excluded from the real-estate value that is subject to the fee.

How is the fee computed and paid?

Section 77.22(1) of the Wisconsin statutes imposes the fee on the grantor at 30 cents for each $100 of value or fraction thereof. "Or fraction thereof" matters on odd sale prices: the fee is not limited to clean $100 increments. The Wisconsin Department of Revenue's real estate transfer return overview explains the same rate and the filing process used at recording.

A completed electronic transfer return (RETR) and the fee are prerequisites to recording. Electronic filing has been required on or after July 1, 2009, unless a hardship waiver applies. In everyday terms, you do not record first and settle the fee later. The return and the fee travel with the deed or other conveyance to the register of deeds.

The grantor is the person conveying the property, usually the seller. Closing statements often show the fee as a seller cost, but the statute places the imposition on the grantor. If a contract shifts payment by agreement, that is a private allocation; it does not change who the statute names.

Value is not always the same as the contract price in special cases. For a gift or a conveyance for nominal consideration, the fee is based on estimated market value. For a land contract, value is the total principal the buyer agrees to pay. A special rate of 10 cents per $100 applies to deeds that satisfy original land contracts dated between December 17, 1971, and August 31, 1981, as the Department of Revenue overview explains. If your transaction is a current land contract, a gift, or a deed that satisfies an older land contract, confirm the value and the rate with the register of deeds or the Department of Revenue rather than assuming the standard 30-cent figure applies in every respect.

Personal property sold with the house, such as furniture or a washer that is not a fixture, is excluded from the real-estate value subject to the fee. Fixtures and the land remain in the real-estate value. If a bill of sale lists personal property separately, keep that allocation consistent with the transfer return.

What if the value is understated or an exemption is wrong?

If the Department of Revenue determines that value was understated by 25 percent or more, or that an exemption was improperly claimed, the penalty is $25 or 25 percent of the additional fee, whichever is greater. Intentional falsification of value is a more serious matter: section 77.27 provides a fine of not more than $1,000 or jail of not more than one year, or both.

Exemptions and exclusions are set out in the statutes, including section 77.25. Some transfers that are exempt from the fee are also outside the chapter 709 condition-report requirement, as section 709.01 ties one of its coverage tests to a transfer-fee exemption. Do not claim an exemption because a form looked close enough. If a conveyance might be exempt, confirm the exemption code on the current return and keep the documents that support it.

The Department of Revenue publishes a transfer-return overview and periodic transfer-fee reports. Those official pages are the place to confirm current filing mechanics, electronic access, and any hardship-waiver path. County register of deeds offices can tell you local recording hours and how the electronic return is submitted in that county, but the fee rate itself is statewide.

Buyers should still look at the return, even though the fee is imposed on the grantor. An understated value or a missing return can delay recording, which can delay the moment the buyer has a recorded deed. A licensed local agent, a title company, or a closing attorney can walk through the return before documents go to the register of deeds.

FAQ

What is Wisconsin's real estate transfer fee?

Section 77.22(1) imposes a fee of 30 cents for each $100 of value, or fraction thereof, on the grantor of a conveyance that is not exempted or excluded. That is $3.00 per $1,000 of value.

Who pays the fee, and who keeps it?

The statute imposes the fee on the grantor. The register of deeds collects it at recording. Counties retain 20 percent, and the state retains 80 percent.

Can a deed be recorded without the electronic return?

A completed electronic transfer return and the fee are prerequisites to recording. Electronic filing has been required on or after July 1, 2009, unless a hardship waiver applies.

What is the penalty if value is understated by 25 percent or more?

The Department of Revenue may assess a penalty of $25 or 25 percent of the additional fee, whichever is greater, if value is understated by 25 percent or more or an exemption was improperly claimed.

If a Wisconsin closing, a gift deed, or a land-contract payoff has you unsure about the transfer fee, talk with a licensed local agent, and confirm the current return requirements with the register of deeds or the Department of Revenue.

Sources: Wisconsin Statutes section 77.22; Wisconsin Department of Revenue, Real Estate Transfer Return Overview.

In a Wisconsin transfer covered by chapter 709, the owner must furnish a completed real estate condition report no later than 10 days after acceptance of a contract of sale or option contract. A late report gives the buyer a short written rescission right.

The report is the statutory form under section 709.03 or 709.033, not a casual note about the house. Every item has to be answered, or supplied under the amendment rule, for the report to be complete.

Which transfers need a condition report?

Section 709.01 says that, except as provided in subsection (2), all persons who transfer real property located in this state, including a condominium unit and time-share property, by sale, exchange, or land contract, must comply with the disclosure sections unless the transfer is exempt from the real estate transfer fee under section 77.25. Subsection (2) then carves out personal representatives, trustees, conservators, and fiduciaries who are appointed by or subject to the supervision of a court, if those persons have never occupied the property transferred.

If a transfer is exempt from the transfer fee, or if the seller is one of those never-occupying fiduciaries, chapter 709 may not require the report. Many ordinary home sales, including condominiums, are covered. If you are unsure whether a particular deal is in or out of chapter 709, a licensed local agent or a real estate attorney can compare the transfer to sections 709.01 and 77.25.

Section 709.02 requires the owner to furnish, not later than 10 days after acceptance, a completed copy of the report under section 709.03 or 709.033, whichever applies. A report is complete only if the owner answered, or supplied information under section 709.035 for, each item. The owner may substitute, for an entry, written information supplied on time by a licensed engineer, a professional land surveyor, a structural pest control operator, a qualified third party, a contractor about matters within the contractor's occupation, or a public agency. Substituted information may be submitted and certified on a supplemental report, as long as it otherwise meets the section.

What if the report is late, incomplete, or needs an amendment?

A prospective buyer who does not receive a report within the 10 days may, within 2 business days after the end of that 10-day period, rescind the contract of sale or option contract by delivering a written notice of rescission to the owner or to the owner's agent. The buyer is then entitled to the return of any deposits or option fees paid in the transaction.

That rescission right is tied to late delivery. It is not a substitute for an inspection, and it is not the only reason a buyer may walk away under a contract. If a report arrives on time, read it against the house and against any inspection. Technical issues such as asbestos, building code violations, and floodplain status may still need a professional inspection, as the statutory form itself warns in the buyer's acknowledgement.

Section 709.035 requires an amendment in a related situation. If, after completing a report but before acceptance, the owner obtains information that would change a response, the owner must submit a complete amended report or an amendment to the previously completed report to the prospective buyer within 10 days of acceptance. Treat a later change in what the owner knows as a reason to update the report, not as something to leave in an older draft.

For a condominium unit, if the owner is required to provide the chapter 709 report, the owner must also furnish, at the same time, an addendum that includes the name of the condominium and the date it was created by recording instruments with the register of deeds, the unit number, and the name, address, and telephone number of the seller or the seller's agent. The addendum also includes the name and address of the association, whether the association is self-managed or has hired management, association contacts, current assessments and whether they are paid, and, unless excused by section 703.365(8), a copy of the executive summary under section 703.33(1)(h). Those condominium details can matter as much as a leaky faucet disclosure, because unpaid assessments and association rules travel with the unit.

FAQ

How soon must a Wisconsin seller deliver the condition report?

Not later than 10 days after acceptance of a contract of sale or option contract, under section 709.02, for transfers described in section 709.01.

What if I am the buyer and I never received the report?

If you do not receive it within those 10 days, you may, within 2 business days after the end of that 10-day period, rescind in writing to the owner or the owner's agent and recover deposits or option fees.

Do estate or trust sellers always have to provide the report?

Section 709.01(2) says the report requirement does not apply to personal representatives, trustees, conservators, or court-supervised fiduciaries who have never occupied the property. If such a person occupied the property, that exception does not apply on its face.

Do condominium sales need extra information?

Yes, when chapter 709 applies. Section 709.02(2) requires a condominium addendum with association and assessment information, and often the executive summary, delivered at the same time as the condition report.

If a condition report, a late delivery, or a condominium addendum has you unsure about the next step, talk with a licensed local agent who can review the contract and Wisconsin's chapter 709 rules.

Sources: Wisconsin Statutes section 709.01; Wisconsin Statutes section 709.02; Wisconsin Statutes section 709.035.

The Wisconsin Housing and Economic Development Authority, known as WHEDA, offers first-mortgage programs and down payment assistance through certified WHEDA lenders. Easy Close Advantage down payment assistance can range from a $1,000 minimum to 6 percent of the purchase price when paired with a WHEDA first mortgage. Capital Access down payment assistance is currently unavailable.

WHEDA's available-programs page states that this is general program information and does not guarantee approval or cover all guidelines. A certified WHEDA-approved lender has the current eligibility rules, rates, and income limits.

What first-mortgage and down payment options does WHEDA describe?

WHEDA publishes first-mortgage programs and two down payment assistance programs on its official available-programs page. Both down payment assistance programs can be used with either WHEDA first mortgage program. In many instances, WHEDA states, using a WHEDA first mortgage and a WHEDA down payment assistance loan will provide 100 percent financing.

Easy Close Advantage down payment assistance, as described on that page, has a minimum loan amount of $1,000. The maximum loan amount is 6 percent of the purchase price when the assistance is partnered with a WHEDA Conventional first mortgage or with a WHEDA FHA first mortgage. It is a 10-year fixed-rate second mortgage with a monthly payment, and the interest rate is the same as the first mortgage, with the note that the actual annual percentage rate may vary. Total household compliance income limits apply based on the WHEDA first mortgage. Additional secondary financing may follow if it meets Fannie Mae requirements for a Conventional loan or HUD requirements for an FHA loan. The published maximum combined loan-to-value figure is 105 percent HCLTV.

Capital Access down payment assistance, when it is available, is described as a $7,500 loan amount for both Conventional and FHA pairings, structured as a 30-year fixed-rate mortgage with a 0 percent interest rate and no monthly payments, subject to the same actual-APR note. It has separate household compliance income limits, which are generally lower. WHEDA's official page states that Capital Access DPA is currently unavailable. Do not plan a purchase around that product until a lender confirms it has been offered again.

Updated income and purchase price limits were described as becoming available on the lender Toolkit with an effective date of January 15, 2026. Those limits change. Ask a certified lender for the figures that apply to your county, household, and closing date rather than relying on an older printout.

Eligible borrowers can receive a reduced interest rate when buying a home in certain rural counties. WHEDA lists these counties: Ashland, Barron, Bayfield, Burnett, Clark, Crawford, Iron, Jackson, Juneau, Marinette, Marquette, Oconto, Rusk, Sawyer, and Trempealeau. A rural target-area flyer is offered for download on the official page. If you are buying in one of those counties, ask the lender whether the rural reduced rate applies to the loan product you want.

How do you start a WHEDA loan?

WHEDA tells buyers to consult a certified WHEDA-approved lender. The official site includes a lender finder, a "Six Steps to a WHEDA Loan" page, and a WHEDA Way Home page for additional homebuyer information. Pre-purchase education is often part of a first-time buyer path. Confirm the current education requirement with the lender and use a counseling resource WHEDA recognizes, rather than assuming a particular course will satisfy the file.

WHEDA does not publish a consumer credit-score floor on the available-programs overview in a way you should treat as a permanent underwriting number. Do not rely on unofficial sites for a FICO cutoff. A certified lender will run the current product overlays, income limits, purchase-price limits, and occupancy rules. The official page also notes that the information does not guarantee approval.

A WHEDA first mortgage can be Conventional or FHA under the programs described above. Down payment assistance is a second lien with its own term and payment, even when the combined financing reaches 100 percent of the purchase price. Budget for the Easy Close monthly second-mortgage payment, closing costs, property taxes, and homeowners insurance, including flood coverage if the house needs it.

If you are also shopping a bank, credit union, or another housing-finance program, compare the rate, the down payment help, the second-lien terms, and any recapture or occupancy rules in writing. WHEDA's homeowner pages also discuss recapture tax information for some loans after closing. Ask the lender whether recapture could apply before you treat a WHEDA loan as interchangeable with every other mortgage.

FAQ

How much Easy Close Advantage down payment assistance can I get?

WHEDA's official available-programs page lists a $1,000 minimum and a maximum of 6 percent of the purchase price when the assistance is partnered with a WHEDA Conventional or FHA first mortgage.

Is Capital Access down payment assistance available right now?

WHEDA's official page states that Capital Access DPA is currently unavailable. Ask a certified lender whether that status has changed before you count on it.

Does WHEDA offer a lower rate in some rural counties?

Yes. The official page lists a reduced interest rate for eligible borrowers buying in certain rural counties, including Ashland, Barron, Bayfield, Burnett, Clark, Crawford, Iron, Jackson, Juneau, Marinette, Marquette, Oconto, Rusk, Sawyer, and Trempealeau.

Where do I apply?

You apply through a certified WHEDA-approved lender, not by sending a consumer application to WHEDA alone. Use the official lender finder and current program page.

If you are weighing a WHEDA first mortgage or Easy Close assistance, talk with a licensed local agent and a certified WHEDA lender about current limits, rates, and eligibility.

Sources: WHEDA, Available Programs; WHEDA, WHEDA Way Home.