WHEDA FHA Advantage Program This Wisconsin down payment program is a 30 year fixed interest rate loan offered through WHEDAs network of FHA lenders. This loan requires no minimum Wisconsin borrower contribution and has low closing costs. Wisconsin borrowers must have a credit score over 620 and must be able to provide a minimum 2 year work history proving the ability to incur debt. This Wisconsin down payment program can be paired with Wisconsin down payment assistance, and is not exclusive to first time home buyers but cannot be used for refinancing.