Replacement Housing Program    

920 Liberty St -Accepted Offer!


The sales price is $159,300 however qualified Purchasers may receive a deferred second mortgage of up to $54,300 to ensure monthly mortgage payments are affordable. Deferred mortgages accrue at 3% simple interest per annum, interest will cease to accrue when it reaches half of the principal value and matures after 30 years. Purchaser shall provide $105,000 of investment, through down payment and/or financing. Purchaser must meet the gross income eligibility requirements listed below and be eligible for the City’s Replacement Housing Program.  Please refer to the Replacement Housing Application for a list of eligibility requirements. Home must remain single family owner occupied. Please contact Dawn Reinhart at 608-789-7360 with questions. 

Home was constructed through the unique partnership between the City of La Crosse and Western Technical College.The home features custom made cabinets from Western Technical College Wood Techniques Program, engineered hardwood floors, 2 egress windows and stubbed plumbing in the basement for future expansion. 

Click here for the Replacement Housing Application.

Offers must be approved by the Community Development Committee (CDC), the CDC meets the 2nd Tuesday of the month. Offers to purchase must be submitted by the 1st Tuesday to be considered for approval.            

Future Homes
  • 1120 Liberty St
  • 721 Charles St
  • 1402 Charles St

Homes will be listed on the Multiple Listing Service (MLS) upon construction completion. To purchase a Replacement Housing home, the Buyer must have a gross income below 80% of County Median Income and qualify for a conventional mortgage. The buyer must also participate in the Community Action Program Homebuyer Assistance Program, which provides housing counseling and down payment assistance. Please review the replacement housing application for a complete list of eligibility requirements. All homes have an owner occupied deed restriction.

2019 Maximum Gross Income Limits Number of Residents
 $44,050  1
$50,350 2
$56,650 3
$62,900 4
$67,950 5
$73,000 6
$78,000 7
$83,050 8

If you are interested in purchasing one of these homes and meet our income qualifications listed below, please contact Dawn Reinhart at 608-789-7360. Replacement Housing Program is located on the 3rd floor in City Hall, 400 La Crosse Street.

Looking for an easy, affordable loan to improve your home?

WHEDA's HomeStyle Renovation Program allows a borrower to purchase a property, or refinance an existing WHEDA loan AND roll allowable renovation and rehabilitation costs into the mortgage transaction. In addition, up to six months of mortgage payments can be included in the financing if a homeowner is unable to live in the home during the renovation. To make it even more affordable, eligible borrowers can use WHEDA down payment assistance to realize up to 100% financing. For more information, go to or speak with your lender.