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Homeownership is more affordable than you think

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Down payments as low as 3%

  • Fixed-rate loan options with low down payments
  • For buyers with limited credit histories
  • Eligible for refinancing and first-time homebuyers
  • Purchase a single family home or a warrantable condo
  • Grants and down payment assistance may be available
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Wisconsin Housing and Economic Development Authority (WHEDA)

The WHEDA loan option is available for select Wisconsin homebuyers.

  • Low down payment options with fixed-rate terms
  • Community down payment funds and loan assistance options available
  • For homebuyers in targeted WHEDA counties or cities
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Guaranteed Rural Housing

A United States Department of Agriculture (USDA) home loan option in eligible rural areas.

  • Zero down payment loan with fixed-rate terms
  • Community down payment funds and loan assistance options available
  • For current homeowners and first-time homebuyers
  • Funds available for housing rehab or home improvements
  • Johnson Financial Group is a designated underwriter for Guaranteed Rural Housing

Down Payment Grant Programs

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Up To $10,000 For Down Payment and Closing Costs

Homebuyers must meet income eligibility requirements and:

  • Contribute at least $1,000 to the purchase of the home
  • Complete pre-purchase homebuyer education and counseling
  • Live in the home as your primary residence

Downpayment Plus is a program from the Federal Home Loan Bank of Chicago. Restrictions apply. Please see the Federal Home Loan Bank of Chicago’s website at www.fhlbc. com for complete requirements. “Downpayment Plus” is a registered trademark of the Federal Home Loan Bank of Chicago.

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Up To $2,500 Down Payment Grant

  • For first-time homebuyers purchasing a single family residence or warrantable condo
  • Eligible for homes in these counties; Barron, Brown, Dane, Jefferson, Kenosha, Milwaukee, Outagamie, Ozaukee, Racine, Rock, Sawyer, Sheboygan, Walworth, Washington and Waukesha
  • Home must be located in low or moderate income census tract
  • Combine with a low down payment loan option and fixed-rate terms
Find A Loan Officer To Apply Find a loan officer to apply
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A $1,000 or $1,500 Down Payment Grant

  • Can be used to buy a home in any neighborhood
  • Available with certain loan programs
  • Grant may be used with the First $tep grant and other eligible grants
  • For single family residences or warrantable condos
  • Combine with a low down payment loan option and fixed-rate terms
Find A Loan Officer To Apply Find a loan officer to apply

Ready to get started?

Community Loan Officers

Wendy Bumgarner

Wendy Bumgarner

AVP Senior Community Mortgage Loan Officer

NMLS: 1518614

Marlene Castillo

Marlene Castillo

VP Community Lending Relationship Manager

NMLS: 503082

Edson Marquez

Edson Marquez

Community Mortgage Loan Officer

NMLS: 921676

Maria Perez-Hernandez

Maria Perez-Hernandez

AVP Senior Community Mortgage Loan Officer

NMLS: 408027

Vanessa Reyes

Vanessa Reyes

Community Mortgage Loan Officer

NMLS: 1110276

Maria Rocha

Maria Rocha

Community Mortgage Loan Officer

NMLS: 677834

Eyenith Sandoval

Eyenith Sandoval

AVP Community Mortgage Loan Officer

NMLS: 408029

Geoffrey Simons

Geoffrey Simons

Community Mortgage Loan Officer

NMLS ID 1785618

Sei Kidau

Sei Kidau

VP Community Lending Field Manager

NMLS ID 425508

Leo Daniel

Leo Daniel

Community Mortgage Loan Officer

NMLS ID 1902192

We can also help you with...

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Homeowners Insurance

Your home is likely one of your largest investments. You deserve to have peace of mind that your home and the possessions inside are protected from life’s unexpected events.

Learn More about home and condo insurance

Related Resources

Have Questions?

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Give us a call at 888.769.3796

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Loans are subject to credit and property approval, bank underwriting guidelines, and may not be available in all states. Other loan programs and pricing may be available. Certain conditions, terms, and restrictions may apply based on the loan program selected. The term of the loan may vary based upon program chosen. Property insurance is required; if the collateral is determined to be in an area having special flood hazards, flood insurance will be required.