Housing / Home Ownership

Home Buyer Program

The Home Buyer Program is designed to assist income-eligible households with the purchase of a home.  There are two components to the program.  Applicants are required to complete Home Buyer education and training.  Upon completion, direct loans with a low or no interest rate may be available to assist with down payment, closing costs, acquisition, rehabilitation, weatherization and new construction.

Applicants must meet income guidelines and cannot currently own a home.  It is not necessary to be a first-time homebuyer.  The property must be single-family owner occupied, located in the service area and meet Housing Quality Standards to qualify for assistance.  Applicants must be able to obtain permanent mortgage financing, contribute at least $500 toward the down payment, complete credit and housing counseling and attend a workshop series on the home purchase and ownership to be eligible for financial assistance. 

Home Buyer education and training is required to complete the program and qualify for assistance.  The three session workshop offers practical tools, consumer information and includes handouts for each participant about the home buying process.    Areas that are covered include:  mortgage lending, realtor services, weatherization and energy efficiency, home inspection, and insurance.  The workshops are scheduled throughout the year with locations in Door, Kewaunee, Manitowoc and Sheboygan counties.    Verify income and view the Home Buyer Workshop schedule now! 

Once you have verified that your household income does not exceed the income guidelines for your county and family size, please email Lakeshore CAP and we will send you an application.  Request Home Buyer application now!

Individual Development Accounts (IDA)

The Individual Development Accounts (IDA) Program is a two-year, matched savings program designed to help income-eligible households accumulate as much as $3000 for home ownership.  For each dollar a participant saves, Lakeshore CAP provides two matching dollars.  Participants can save up to $1000 that is matched with $2000 for a total of $3000 spendable money towards the purchase of a home.

Households in the service area must meet the income guidelines, open a special savings account through a bank or credit union, make regular monthly deposits and complete a financial literacy course.  Savings in an IDA must come from earned income.  Verify income guidelines now!

For more information about home ownership assistance available at Lakeshore CAP, please call (920) 682-3737, toll-free (800) 924-0510, or send an email.

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