A couple outside looking at their new home

A couple outside looking at their new home

Buy A Home

Affordable Home Loans

Home Possible Advantage

An affordable home loan with low down payment options for first time homebuyers and qualified individuals

  • Low down payment options with fixed rate terms
  • Income restrictions apply based on location of home
  • Options available for individuals with limited credit histories
  • Flexible source of down payment funds, including gifts and grants
  • Eligible for individuals refinancing and first time homebuyers
  • Eligible for single family residences and warrantable condos
  • Homebuyer education may be required (in‐person and online course options available)

Community Mortgage

An affordable home loan with low down payment options

  • Low down payment options with fixed rate terms
  • Save money with lower closing costs
  • Requirements must be met before gifts and grants can be used
  • Eligible for homes in these counties: Dane, Jefferson, Kenosha, Milwaukee, Ozaukee, Racine, Rock, Walworth, Washington and Waukesha in Wisconsin and Maricopa in Arizona
  • Eligible for single family residences and warrantable condos
  • Available for new home purchases by current homeowners and first time homebuyers
  • Homebuyer education may be required (in‐person and online course options available)

Guaranteed Rural Housing

A USDA home loan option in eligible rural areas

  • Low down payment options with fixed rate terms
  • Community down payment funds and loan assistance options available
  • Eligible for current homeowners and first time homebuyers
  • Funds available for housing re‐hab or home improvements
  • Johnson Bank is a designated underwriter for Guaranteed Rural Housing

Wisconsin Housing and Economic Development Authority (WHEDA)

The WHEDA loan option is available for Wisconsin homebuyers

  • Low down payment options with fixed rate terms
  • Community down payment funds and loan assistance options available
  • Eligible for homebuyers in targeted WHEDA counties or cities
  • Funds available for housing re‐hab or home improvements

Johnson Bank Down Payment Grant

$2,500 down payment grant to help first time homebuyers afford their dream home.

  • Low down payment options with fixed rate terms
  • Eligible for single family residences and warrantable condos
  • Eligible for home in these counties; Barron, Brown, Dane, Jefferson, Kenosha, Milwaukee, Outagamie, Ozaukee, Racine, Rock, Sawyer, Sheboygan, Walworth, Washington and Waukesha in Wisconsin and Maricopa in Arizona
  • Property must be located in low or moderate income census tract

Housing Agencies and Grant Resources

Learn about housing and grant resources available in your area.