Stampfli Mortgage on NMLS

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Low Down Payment Wisconsin Mortgages

Obtain a Wisconsin Mortgage with as Little as 3.5% Down or even NO Money Down at Stampfli Mortgage.

Low money down mortgage options allow you to invest less money up front at the time of closing. These exciting options give more opportunities to more homebuyers. Not a lot saved up? No problem. Hoping to use your savings to fix up your new home? Great idea! The expert mortgage advisors at Stampfli Mortgage will explain the options and help determine if a low down payment mortgage is right for you. To learn more, call (608) 572-7222 or simply fill out a no-obligation online application today!

Little to NO Money Down Wisconsin Mortgages:


The Wisconsin FHA mortgage down payment requirement is 3.5%. However, none of this money has to come from you. All of the funds can be gifted from friends, family, or other sources. This program doesn't have any location or income restrictions. It is great for first time homebuyers, but is not limited to first time buyers.

The Wisconsin VA mortgage is a program dedicated to qualified veterans and active military. It is an excellent 0% down payment mortgage which allows you to finance up to 100% of your home.

The Wisconsin USDA mortgage also allows you to purchase a home with NO money down. There are income restrictions and property location restrictions for this government backed mortgage.

When is a Lower Down Payment Recommended?

There are several reasons to take advantage of low down payment options.

First, many of us don't have a large amount in savings to use for a down payment. People often hold off on buying a home until they have saved up for the down payment. During this time, they have been spending their hard earned money on rent rather than building up equity in their own home.

Second, if you do have a large down payment saved up, but you've created other debt in the mean time. It can make more sense at times to use the money to pay down higher interest credit rather than putting all of your savings into a down payment. This could reduce your overall monthly payments quite a bit.

Thirdly, if you have saved up for a down payment, but you want to buy a fixer-upper. You may want to use that savings for home improvements. In some cases you're able to increase the equity in your home by increasing the property value.

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