Skip to content
Purchase Mortgage Loan
Get Pre-Approved

First-time home buyer programs in West Bend, WI

Quick answer

First-time buyers in West Bend, WI can use 3%-down conventional loans (up to the $832,750 Washington County conforming limit), 3.5%-down FHA, or VA and USDA where eligible. On the $244,500 median home, 3% down is about $7,335 and the estimated payment is $2,091/month at 7.18%.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsData last updated

Median household income: $75,043; value-to-income ratio 3.26. West Bend ranks 52 by home value and 26 by population among 96 places in our WI dataset.

What does a first-time buyer loan cost on a typical West Bend home?

ItemWest Bend
Median home value (Census ACS)$244,500
Wisconsin median home value$247,400
Down payment (3%)$7,335
Loan amount$237,165
Estimated monthly payment (PITI + MI)$2,091
Income needed (28% / 36%)$90,000 / $70,000
Washington County 2026 conforming limit (1 unit)$832,750
Max purchase price at the limit$858,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Payment includes Wisconsin's 1.51% effective property tax rate (Census ACS), $923/yr homeowners insurance (NAIC state average) and an estimated 0.5% PMI.

What is the 2026 conforming loan limit in West Bend?

West Bend is in Washington County. Conventional 3%-down loans go up to the $832,750 conforming limit (price ≈ $858,000); FHA loans go up to $541,287.

The West Bend median home value of $244,500 is 1% below the Wisconsin median, and within what the county limit supports.

Which down payment assistance programs can West Bend buyers use?

No applicable programs have been verified for this city yet. Check the state housing finance agency for current assistance.

First-time buyer loans in nearby cities

HartfordRichfieldCedarburgGermantownGraftonPort Washington

First-time buyer loan FAQs for West Bend

On the $244,500 median: 3% conventional ≈ $7,335, 3.5% FHA ≈ $8,558, and 0% for eligible VA or USDA buyers. Conventional loans above $832,750 in Washington County become jumbo loans.

At the $244,500 median value (close to the Wisconsin median of $247,400), the estimated payment of $2,091/month at 7.18% needs about $90,000 a year under the 28% housing guideline, or $70,000 if your total debts stay under 36%.

0 city-level, 0 county-level and 0 statewide programs are verified for this city (0 total). Check each official administrator's eligibility rules and available funds.

Sources

Data last updated October 23, 2026.

Get matched with First-time buyer lenders in West Bend

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.