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City of Madison Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in the City of Madison, checked against the official page.

City of Madison down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Home-Buy the American Dream (HBAD)Up to $35,000Not statedNot statedNot statedNot statedOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Statewide help in Wisconsin

You may also qualify for 2 statewide Wisconsin programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for Wisconsin How to apply

Compare these programs · AMI / income limits · All Wisconsin programs

HUD-approved homebuyer counselors in Madison, Wisconsin (2)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does City of Madison offer down payment assistance?

Yes. We list 1 local program checked against official pages: Home-Buy the American Dream (HBAD) from City of Madison Community Development Division (Up to $35,000).

How does Home-Buy the American Dream (HBAD) work?

Your first mortgage lender submits the application for you.

Can I combine City of Madison assistance with statewide Wisconsin programs?

Sometimes. Wisconsin also has 2 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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