Affordable Home Loans
Find a loan with low down payment options or grant assistance to make buying a home more affordable.
APPLY NOW for a home loan. FIND A LOAN OFFICERHomeownership is more affordable than you think

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

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

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

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.
Find A Loan Officer To Apply Find a loan officer to apply
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

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
Community Loan Officers
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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.
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Buying a Home
Whether you're relocating to a new community, refinancing, buying your first home or moving into a new home, learn more about the home financing process.
LEARN MORE Learn more about the home financing process
On the move?
Find out how a local lender is your ideal partner—beyond helping you with a mortgage—as you take those critical first steps in your relocation and home search.
READ MORE Learn more about how a local lender can help you in your relocationLoans 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.