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Down Payment


What is the required down payment for a WHEDA Home mortgage loan? Top of Page

A minimum down payment for single family, condominium, manufactured housing and duplexes is 3% of the purchase price. For 3 - 4 family properties the minimum down payment is 10%.


Can Mom and Dad (or someone else) give me a gift to use for the down payment?Top of Page

Yes. Loans with fully gifted down payments of 10% or more will be accepted on single-family properties or condominiums provided the gift donor is an immediate family member or a community-based organization. The 10% can be reduced for borrowers with an excellent credit history.