Low down payment
Your first home, with help on the down payment.
We participate in the Illinois and Wisconsin housing-authority programs and offer our own $0-down Community Bank LTV program, so the down payment is a plan, not a wall.
- Community LTV
- $0 down
- IHDA / WHEDA
- DPA available
- Downpayment Plus
- Grant funds
Best for
- First-time buyers in Illinois or Wisconsin
- Low- to moderate-income households
- Buyers with savings for closing but not 20%
IHDA
The Illinois Housing Development Authority offers down-payment assistance and affordable first mortgages for individuals and families across the state.
WHEDA
The Wisconsin Housing and Economic Development Authority offers programs that make homeownership more accessible for Wisconsin residents, particularly first-time and low- to moderate-income buyers.
Downpayment Plus (DPP)
The Downpayment Plus program provides grant funds for eligible low- to moderate-income buyers to cover down payment and closing costs.
Community Bank LTV Program
Our own portfolio program lets eligible borrowers finance a larger share of the purchase price than traditional products allow, including $0-down structures for qualified buyers in the communities we serve.
Questions people ask
- Can I combine programs?
- Often, yes. IHDA assistance can layer on an FHA or conventional first mortgage, for example. Your loan officer will map the best stack for your situation.
Often compared with
Next step
Ready to talk to a lender who can actually decide?
Start the application online, or call and ask for the mortgage department. Either way, a real human in Crystal Lake or Appleton takes it from there.