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City of Milwaukee Homebuyer Assistance Program (HBA)

Wisconsin route through City of Milwaukee Neighborhood Improvement Development Corporation (NIDC). Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.

Forgivable second mortgage Check official rules 2026-04-19
Agency City of Milwaukee Neighborhood Improvement Development Corporation (NIDC)
Support type Forgivable second mortgage
Amount highlight Fully forgivable second-mortgage loans of up to $35,000 for rehabilitation of eligible city-owned foreclosed homes.
Last verified 2026-04-19

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This is a rehab purchase path

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

Milwaukee HBA is not a plain down-payment grant. It is tied to buying and rehabilitating eligible city-owned foreclosed homes.

Decision-ready public facts

What this program appears to offer

Quick answer from published facts. Go to Wisconsin program hub

Amount

Fully forgivable second-mortgage loans of up to $35,000 for rehabilitation of eligible city-owned foreclosed homes.

Type

Forgivable second mortgage

Repayment

Milwaukee says the HBA loan is fully forgiven once the buyer has lived in the property for five years after project completion. The loan is forgiven on an annual pro rata basis over that five-year period, and the remaining balance must be repaid if the property is sold during the initial five years.

First-time buyer

Not required

Program guide

What to know before you click through

Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.

Who qualifies?

Homebuyers purchasing an eligible city-owned foreclosed property in Milwaukee, Buyers purchasing a 1-2 unit city-owned property, Borrowers with first-mortgage pre-qualification or pre-approval from a lender, Buyers able to contribute at least $1,000 of their own funds toward purchase and rehabilitation

What support do you get?

Fully forgivable second-mortgage loans of up to $35,000 for rehabilitation of eligible city-owned foreclosed homes.

Do you repay it?

Milwaukee says the HBA loan is fully forgiven once the buyer has lived in the property for five years after project completion. The loan is forgiven on an annual pro rata basis over that five-year period, and the remaining balance must be repaid if the property is sold during the initial five years.

How do you apply?

Complete 8 hours of HUD-approved homebuyer counseling, secure first-mortgage pre-approval, choose an eligible city-owned foreclosed property, and submit the HBA loan application before purchasing the property.

Official source evidence

The official Milwaukee HBA page says fully forgivable second-mortgage loans of up to $35,000 are available for rehabilitation of city-owned foreclosed homes. The city says buyers must complete 8 hours of counseling, obtain first-mortgage pre-approval, contribute at least $1,000, and live in the home for five years after project completion to receive full forgiveness.

View official source

Last verified

2026-04-19

Effective date not captured.

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What paid access adds for City of Milwaukee Homebuyer Assistance Program (HBA)

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Comparison preview

City of Milwaukee Homebuyer Assistance Program (HBA)

Amount: Fully forgivable second-mortgage loans of up to $35,000 for rehabilitation of eligible city-owned foreclosed homes.

Repayment: Milwaukee says the HBA loan is fully forgiven once the buyer has lived in the property for five years after project completion. The loan is forgiven on an annual pro rata basis over that five-year period, and the remaining balance must be repaid if the property is sold during the initial five years.

First-time buyer: Not required

Risk checks preview

What gets flagged before you call a lender

  • City of Milwaukee Homebuyer Assistance Program (HBA) must be paired with a specific first mortgage.
  • City of Milwaukee Homebuyer Assistance Program (HBA) can trigger repayment on sale or refinance.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with City of Milwaukee Homebuyer Assistance Program (HBA), and can it be combined with the saved options?
  • Which events trigger repayment for City of Milwaukee Homebuyer Assistance Program (HBA): sale?

Action checklist preview

What you would do next

  • Verify the required first-mortgage pairing for City of Milwaukee Homebuyer Assistance Program (HBA).
  • Review the official Milwaukee HBA page for City of Milwaukee Homebuyer Assistance Program (HBA).
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