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♿ Movin' Out Program
Specialized homebuying assistance designed specifically for families with permanent disabilities. Get up to $40,000 in assistance with no monthly payments, helping you achieve the independence and stability of homeownership.
Quick Answer
Movin' Out Program provides up to $40,000 in homebuying assistance for families with permanent disabilities in Wisconsin. This deferred loan requires no monthly payments and helps families achieve accessible homeownership in Madison and Dane County.
Understanding Movin' Out Program
For voice assistants: Movin' Out Program is a specialized homebuying assistance program for families with permanent disabilities in Wisconsin. Provides up to $40,000 in Madison or $35,000 in Dane County with no monthly payments. Available for first-time buyers with qualifying disabilities in Madison, Sun Prairie, Middleton, and surrounding areas.
Supporting Independence Through Homeownership
Movin' Out recognizes that owning your own home is especially important for people with disabilities. It provides stability, the ability to make accessibility modifications, and builds wealth over time. This program addresses the unique housing challenges faced by families with disabilities.
No Monthly Payments
Purpose: Reduce financial burden to make homeownership achievable.
What This Means:
- No interest charges on the assistance
- No monthly payments during occupancy
- Repaid only when you sell, move, or refinance
- Lower overall monthly housing costs
- More money available for accessibility modifications
Disability-Focused Assistance
Purpose: Address unique housing challenges faced by families with disabilities.
Specialized Benefits:
- Covers down payment and closing costs
- You contribute only 1% of purchase price
- Helps with homes needing accessibility features
- Supports modifications for independence
- Recognizes limited income challenges
Assistance Amounts
Madison City Limits
Maximum assistance for homes within Madison city boundaries
Dane County (Outside Madison)
Maximum assistance for homes in Dane County but outside Madison
Example: How It Works
Buying a $200,000 home in Madison:
• Movin' Out gives you: $40,000
• You contribute: $2,000 (1%)
• Your mortgage: $158,000
• Monthly payment: Lower because less money borrowed!
When you sell later for $230,000:
• Home gained: $30,000 in value
• Movin' Out's share: $30,000 × 20% = $6,000
• You pay back: $40,000 + $6,000 = $46,000
• You keep the rest of the profit!
Madison Area Purchase Examples
Assistance: $35,000 (Dane County)
Your contribution: $1,800 (1%)
Mortgage: $143,200 + closing costs
Assistance: $40,000 (Madison)
Your contribution: $2,500 (1%)
Mortgage: $207,500 + closing costs
Assistance: $35,000 (Dane County)
Your contribution: $3,000 (1%)
Mortgage: $262,000 + closing costs
Who Can Qualify?
Eligibility Summary: To qualify for Movin' Out Program in Wisconsin 2025, you need at least one household member with a permanent disability, be a first-time homebuyer (3+ years since owning), have income under area limits, and purchase in Madison or Dane County as your primary residence.
Required: Permanent Disability in Household
At least one member of your household must have a permanent disability. This includes:
- • Physical disabilities
- • Intellectual or developmental disabilities
- • Mental health conditions
- • Chronic health conditions that limit daily activities
- • Sensory impairments (vision, hearing)
- • Disabilities that are expected to last at least 12 months
Note: Disabilities related only to aging do not qualify.
Other Requirements
- First-time homebuyer (3+ years since owning)
- Will live in home as primary residence
- Buy in Madison or Dane County
- Single-family, condo, or duplex
- Complete homebuyer education class
- Work with approved lender
Income Limits
- Income must be below area limits
- Limits updated annually
- Based on household size
- Includes all household members over 18
- Some disability income may be excluded
- Contact Movin' Out for current limits
Approximate Income Limits (Dane County)
| Household Size | Approximate Limit | Monthly Income |
|---|---|---|
| 1 Person | $62,600 | $5,217 |
| 2 People | $71,500 | $5,958 |
| 3 People | $80,500 | $6,708 |
| 4 People | $89,400 | $7,450 |
*These are estimates. Contact Movin' Out for current exact limits as they change annually.
How to Apply
Apply Early!
Movin' Out funds can run out during the year. It's smart to contact them and reserve your funds even before you're approved for a mortgage. This ensures your assistance is secured when you're ready to buy.
Contact Movin' Out
Call or email to check eligibility and reserve funds early in your process
Gather Documentation
Collect disability documentation, income proof, and household information
Take Education Class
Complete homebuyer education (Movin' Out helps you find classes)
Find Approved Lender
Work with a mortgage lender who partners with Movin' Out
Home Inspection
Movin' Out arranges required home inspection
Close on Your Home
Complete purchase and enjoy the independence of homeownership!
Movin' Out Program Contact Information
📧 Contact Movin' Out Program
Get eligibility requirements and application details
Program Rules & Restrictions
Cannot Combine With
- Cannot use with HBAD program
- Some other programs may not allow stacking
- Ask Movin' Out about combining with other assistance
- Check with all assistance programs about compatibility
- Some down payment assistance may conflict
Repayment Requirements
- Must live in home (not rent it out)
- Pay back when you sell, move, or refinance
- Share in home appreciation if applicable
- Maintain home as primary residence
- Cannot be investment property
Home Appreciation Sharing
How it works: If your home increases in value, Movin' Out shares in a portion of that appreciation when you sell. This helps fund future families while allowing you to keep most of the equity you've built.
Example: If you received $40,000 and your home appreciated $20,000, you might pay back $40,000 plus a percentage of the $20,000 appreciation. The exact formula is determined at the time of your loan.
Important Program Details
Property Requirements
- Single-family homes, condos, townhomes
- Must be in Madison or Dane County
- Property inspection required
- Must meet basic safety standards
- Should accommodate disability needs
- Primary residence only
Program Advantages
- No monthly payments during occupancy
- Substantial financial assistance
- Specialized support for disabilities
- Homebuyer education assistance
- Partner lender network
- Builds long-term equity
Frequently Asked Questions
How much assistance does Movin' Out Program provide?
Movin' Out Program provides up to $40,000 in Madison city limits or $35,000 in other Dane County areas. This is a deferred loan with no monthly payments during occupancy.
Who is eligible for Movin' Out Program?
Families with at least one household member who has a permanent disability, first-time homebuyers, income under area limits, and purchasing in Madison or Dane County as primary residence.
What disabilities qualify for Movin' Out Program?
Physical disabilities, intellectual/developmental disabilities, mental health conditions, chronic health conditions limiting daily activities, and sensory impairments lasting 12+ months qualify.
Do I have to pay monthly payments?
No! Movin' Out assistance is a deferred loan with no monthly payments. You only repay when you sell, move, or refinance the home.
Can I use Movin' Out with other assistance programs?
Some programs can be combined, but not with HBAD program. Check with Movin' Out about compatibility with other down payment assistance or housing programs.
Which areas of Wisconsin does Movin' Out serve?
Movin' Out Program serves Madison city limits ($40,000 max) and all of Dane County ($35,000 max). This includes Sun Prairie, Middleton, Verona, Fitchburg, and surrounding communities.
Explore Other Assistance Programs
While Movin' Out Program offers specialized support for families with disabilities, explore these additional assistance options that might complement your homebuying needs:
Need Help Choosing the Right Assistance?
Every family's situation is unique, especially when considering accessibility needs and disability-related challenges. Let our experts help you understand all available assistance programs and find the perfect combination for your homebuying journey.