🏡 Wisconsin’s Arrive Home FHA Loan: A Smarter Way to Buy with Down Payment Assistance
Looking for FHA down payment assistance in Wisconsin? Union Home Mortgage's Arrive Home program may be your answer in 2025. If you're dreaming of buying a home in Milwaukee, Waukesha, or anywhere in Southeast Wisconsin, but struggling to come up with a down payment, there's a new solution worth exploring: the Arrive Home FHA Loan Program from Union Home Mortgage.
This program is designed specifically to help low-to-moderate income homebuyers become homeowners by combining a traditional FHA loan with built-in Down Payment Assistance (DPA) - and it's available right here in Wisconsin.
💰 What Is the Arrive Home Program?
Arrive Home is Union Home Mortgage's Wisconsin-based version of the national Home Start program. It pairs an FHA 30-year fixed mortgage with 3.5% or 5% down payment assistance, giving eligible buyers the ability to purchase with less cash out of pocket.
Key program features:
- 3.5% or 5% down payment assistance
- FHA 30-year fixed first mortgage
- DPA must be used in combination with the first mortgage
- Designed for purchase transactions only
- UHM services the loan - helping you retain future support
🧾 DPA 2nd Mortgage: What You Should Know
The DPA second mortgage comes with a 10-year repayable term and:
- Interest rate set 2% higher than the FHA 1st
- No subordination for 3 years
- No temporary buydowns allowed (permanent buydowns are OK)
This structure makes the program affordable while keeping your monthly payment predictable and sustainable.
✅ Who Qualifies for Arrive Home in Wisconsin?
- You must be buying a home (no refis)
- Must meet income limits (based on local median income)
- Must occupy the home as your primary residence
- You must pair the DPA 2nd with its corresponding FHA 1st
📍 Why It's a Game-Changer for Wisconsin Buyers
In competitive areas like Brookfield, Milwaukee, Waukesha, and Oconomowoc, many buyers lose out because of limited cash for closing.
The Arrive Home program opens the door to:
- Smaller savings needed upfront
- More flexibility in budgeting
- A strong loan product backed by a team that stays with you after closing
🔗 Compare FHA vs. Conventional in WI 🔗 Union Home Mortgage FHA Loan Options
🏁 Ready to See If You Qualify?
If you’re ready to make homeownership happen - with less out-of-pocket cost - I'll help you apply, compare your loan options, and get approved with confidence.
📞 Schedule your FHA DPA consult:
👉 https://calendly.com/adam-zeman/30min
📩 Email: azeman@uhm.com
📱 Call/Text: 414-975-2654
Let's get you home - on your terms.