Programs for those interested in purchasing homes in Madison and Dane County

City of Madison Program for
Down Payment and Closing Costs

The City of Madison Program for Down Payment and Closing Costs provides 0% interest, deferred-payment, shared appreciation loans to assist qualified first-time home buyers with down payment and closing costs on a home purchase.

Who is eligible?

  • Household income at 80% of county median or less.

  • First-time home buyer, single parent or displaced homemaker.

  • A household member must have a permanent disability.


Dane County Home Buyer
Assistance Program

The Dane County Home Buyer Assistance Program provides 0% interest, deferred-payment loans to assist qualified first-time home buyers with down payment and closing costs on a home purchase.

Who is eligible?

  • Household income at 80% of county median or less.

  • First-time home buyer, single parent or displaced homemaker.

  • A household member must have a permanent disability.


Dane County Momentum
Home Buyer Assistance Program

The Momentum Home Buyer Assistance Program provides 0% interest, deferred-payment loans to assist qualified first-time home buyers with down payment and closing costs on a home purchase.

Who is eligible?

  • Household income at 80% of county median or less.

  • First-time home buyer, single parent or displaced homemaker.

  • Disability is NOT a requirement to qualify for a Momentum loan.