Wisconsin Help for Homeowners (WHH) Program

The WHH Program is to prevent mortgage delinquencies and defaults, foreclosures, loss of utilities or home energy services and displacement of Wisconsin homeowners experiencing a qualified financial hardship because of the Coronavirus pandemic after January 21, 2020.

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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
  • Mortgage payment & refinance assistance to reinstate a mortgage or to pay other housing-related costs related to a period of forbearance, delinquency, or default
  • Homeowner’s insurance, flood insurance, and mortgage insurance
  • Land Contract monthly payments in arrears
  • Manufactured home loan monthly payment (P&I), and/or lot rent
  • Homeowner’s Association fees or liens, condominium association fees
  • Utilities, including broadband/internet
  • Delinquent property taxes
  • HUD Approved Housing Counseling Services
  • Legal Services related to prevention of foreclosure and displacement
    • Note: Home equity lines of credit are not eligible expenses under this program. 
  • 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.
  • 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 $79,900.00
2 $82,500.00
3 $92,800.00
4 $103,100.00
5 $111,350.00
6 $119,600.00
7 $127,850.00
8 $136,100.00
Jefferson County
Household Size Income 100%
1 $79,900.00
2 $79,900.00
3 $79,900.00
4 $79,900.00
5 $85,150.00
6 $91,450.00
7 $97,750.00
8 $104,050.00
Waukesha County
Household Size Income 100%
1 $79,900.00
2 $79,900.00
3 $79,900.00
4 $84,400.00
5 $91,200.00
6 $97,950.00
7 $104,700.00
8 $111,450.00