WHEDA Home Improvement Loan Program (HILP)

Wisconsin Housing and Economic Development Authority (WHEDA)

Available Home Repair

About This Program

WHEDA Home Improvement Loan Program (HILP) is available to homeowners in Madison, WI.

The WHEDA Advantage Home Improvement Loan Program offers financing of $10,000-$50,000 for current Wisconsin homeowners needing repairs or improvements, even if they do not currently have a WHEDA mortgage. Qualifying projects include furnace replacement, roof repair, and adding square footage. Requires a 620+ credit score and a current, good-standing mortgage.

Low-interest loan $10,000-$50,000. Not a grant, repayment required. Estimate reflects a typical furnace + roof project.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Madison, WI, you can combine this program with other local help to cut your cost:

Key Details

  • Low-interest home improvement loan: $10,000-$50,000
  • Does not require an existing WHEDA mortgage
  • 620+ credit score and good mortgage payment history required
  • Eligible work: furnace, roof, structural additions, major systems
  • Apply through WHEDA-participating lenders statewide

How to Apply

Get free help applying Visit Official Program Page Track this program

A grant-savvy contractor in Madison, WI can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Madison early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, through WHEDA participating lenders

Questions about this program?

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Frequently asked questions

How much can WHEDA Home Improvement Loan Program (HILP) provide in Madison, WI?

$10,000-$50,000 low-interest loan.

Who qualifies for WHEDA Home Improvement Loan Program (HILP) in Madison?

WHEDA Home Improvement Loan Program (HILP) is open to homeowners in Madison, WI.

How do I apply for WHEDA Home Improvement Loan Program (HILP) in Madison, WI?

Apply directly with Wisconsin Housing and Economic Development Authority (WHEDA) using the official program link on this page. There is no middleman and no fee.

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