Homebuyer Programs

The City of Dubuque Housing & Community Development Department has the following programs available to income qualified citizens. Please see below to review program details and applications or use the City’s incentives map to search for available programs by address.

Home Ownership Made Easy (HOME) Program

This program provides real-life tools for homebuyers. Participants learn about City programs, basic banking, credit, and how to reduce utility bills. Class is held on Mondays from 5:30-7:30 p.m. during the months of February, April, June, August, and October. Cost is $25 per household for four classes. Housing Choice Voucher participants are free. Pre-registration is required. Click here for more information. To register, call 563.589.4239.

The HOME Workshop is a requirement for all individuals participating in the following funding programs: 

First-Time Homebuyer Loan Program

This program provides long-term, no-interest (0%), $5,000 loans to help purchase your first home at any location within the City of Dubuque limits.

First-Time Moderate-Income Homebuyer Loan Program

 This program provides long-term, no-interest (0%), $5,000 loans to help purchase your first home if you earn more than 80%, but no more than 100% of area median income.

Dubuque’s True North Homebuyer Program

This program provides long-term, no-interest (0%) loans to help with the downpayment to purchase any property owned by Dubuque’s True North.

Housing Choice Voucher Homebuyer Program

This program is funded by HUD to assist first-time Homebuyers.  It is similar to our rental voucher program, but instead of payments going to a landlord, payments go to your mortgage lender.

Officer AT Home - OATH Incentive Program

Under OATH program, any single family owner occupied property located within the Downtown Urban Renewal District will be considered for long-term, no-interest (0%), loans.  The Downtown Urban Renewal District are areas considered good candidates for economic development and improvement.  

Washington Neighborhood Homebuyer Loan Program 

This program provides long-term, no-interest (0%), loans in varying amounts based on household size and annual income to any owner-occupied, single family or duplex home IN THE WASHINGTON NEIGHBORHOOD (11th Street to 32nd Street, Elm to Central).  

Properties for Sale 

The City of Dubuque has for sale newly renovated homes. There are also properties currently being rehabilitated that will be available for purchase once the renovations are complete.