Wisconsin Help for Homeowners (WHH) Program

The WHH Program prevents displacement of eligible Wisconsin homeowners that are experiencing mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services and have also experienced a qualified financial hardship due to COVID-19 after January 21, 2020.

Please note a submitted application does not guarantee financial assistance.


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  • WI Homeowner of an owner-occupied primary residence in Wisconsin
    • Eligible property types: Single family home, mobile/manufactured, condominium, 2-4 unit property where the owner occupies one of the units as their primary residence.
  • Had a qualified material reduction in income or material increase in living expenses after January 21, 2020, directly or indirectly due to the COVID-19 Pandemic
  • Total household income is less than 100% of the area median income for the county of residence
    • Includes ALL income from ALL persons over 18 years of age, as well as unearned income for minors (SSI, etc.) 
  • Delinquent on mortgage payments, homeowners’ insurance, property taxes, utilities, lot rent, land contract, mobile or manufactured home loan, and/or Homeowner Association payments after January 21, 2020
  • Delinquent mortgage payment to reinstate a mortgage or to pay other housing-related costs related to a period of forbearance, delinquency, or default
    • Note: Home equity lines of credit are not eligible expenses under this program.
  • Delinquent land contract monthly payments
  • Delinquent manufactured home loan monthly payment (P&I), and/or lot rent
  • Delinquent homeowner association fees or liens, condominium association fees
  • Delinquent utilities
  • Delinquent property taxes
  • Maximum amount of assistance is up to $40,000 per household, based on actual need
    • Assistance over $10,000 will require the homeowner to sign a no interest, one-year forgivable Promissory Note. 
  • Assistance will be paid as a grant directly to the provider (loan servicer, tax authority, utility company, etc.)
  • Applications are per household. Co-owners are not permitted to apply separately.
  • If applying for Energy Assistance, applicant must first apply for energy assistance through their local utility provider and/or Home Energy Plus.
  • If applying for mortgage assistance, applicant must first talk to their lender about repayment or modification options.
  • Program duration: through December 31, 2026 or until the funding has been depleted.
  • Applicants must provide proof of ID (Driver’s license, passport, or State ID), income for persons over 18 and/or unearned income (paychecks for the lat 30 days, SSI/SSDI, etc.) as well as all documents pertaining to requested assistance (utility bills, mortgage statements, etc.)

We are currently only processing past-due bills for the eligible expenses.

Area Median Income Per County
Dane County
Household Size Income 100%
1 $90,000.00
2 $92,250.00
3 $103,800.00
4 $115,300.00
5 $124,550.00
6 $133,750.00
7 $143,000.00
8 $152,200.00
Jefferson County
Household Size Income 100%
1 $90,000.00
2 $90,000.00
3 $90,000.00
4 $90,000.00
5 $95,150.00
6 $102,200.00
7 $109,250.00
8 $116,300.00
Waukesha County
Household Size Income 100%
1 $90,000.00
2 $90,000.00
3 $90,000.00
4 $94,400.00
5 $102,000.00
6 $109,550.00
7 $117,100.00
8 $124,650.00