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ADVOCAP Fresh Start House for Sale

You Could Own This House

654 Frederick Street

Oshkosh, WI

Why rent when you can own for around the same cost?

And receive substantial down payment assistance for qualified households from the City of Oshkosh and ADVOCAP *

Price: $149,900

Mortgage: 30 Year Fixed Current Interest Rate**: 4.75 %

Take a closer look

  • Purchase Price $149,900

  • $50,000 of down payment assistance in the form

    of a 0% deferred 2nd mortgage*

  • Your 30 year mortgage loan from bank is now $99,900

Do the math—How much will you pay per month?

Total monthly mortgage payment would be $521

(cost of property tax and homeowners insurance not included in

monthly payment above—cost to be determined)

*The City of Oshkosh and ADVOCAP Homeowner Development Program can assist in the down payment cost for income eligible households (see qualifications on reverse side). Actual dollar amount of down payment assistance is based on total household income. Deferred 2nd mortgage is no interest and no payments until you no longer use the house as your primary residence.
**Rates effective September 13, 2018; subject to change at any time. Rates may vary based on such factors as credit
scores, loan-to-value ratio, type of property and amount of loan. The rate shown is for single family, owner-occupied properties from a local financial institution.

House Features:

  • 2 Story House

  • 1765 Square Feet

  • 2 car detached garage

  • Open floor plan

  • Main and upper floor laundry rooms — you decide where it is most convenient to have your washer and dryer

  • Walk in closets in 2 of upper bedrooms

  • Energy Star certified refrigerator, dishwasher, and microwave included

  • Stove/oven and water heater included

  • Energy Star rated windows

  • Energy Star HVAC forced air

  • Full basement

  • Maintenance free vinyl exterior

  • Extra wide 42" doors on main floor including: front and back exterior, bedroom, bathroom, and laundry room

  • Certified Green Built Home

  • Built with SIPs

Room Sizes:

Living/Dining Room: 20’5” x 13’2” Laundry (main): 10’1” x 7’8” Bedroom (upper): 12’9” x 12’

Kitchen: 12’ x 11’1” Laundry (upper): 7’6” x 6’3” Bedroom (upper): 12’1” x 11’5”

Bathrooms: full on main, full on upper Bedroom (main): 11’4” x 10’1” Bedroom (upper): 12’10” x 12’

Owner Qualifications:

  • Combined household annual income must not exceed maximum level as established by HUD (see chart below) and must demonstrate need for financial assistance

  • Owner(s) must attend Homeowner Development classes

  • Owner(s) must be able to secure a conventional first mortgage

  • Owner(s) must have a minimum of $3,000 for their portion of the down payment

  • This house must be owners primary residence

HUD Annual Household Income Levels

Household Size


Household Size


Household Size


















Effective April 2018

What is a Green Built home?

A Green Built Home is a home that meets the standards of the Green Built Home Checklist, a tool that incorporates many environmentally sensitive practices throughout the home design and construction process. A Green Built Home saves money and improves health, safety and comfort while conserving and protecting natural resources. These energy-efficient homes incorporate recycled and renewable materials, produce less waste than typical homes, and have a long life-cycle. A Green Built Home provides:

  • Reduced energy and maintenance costs on an on-going basis

  • Better indoor air quality

  • Improved building health, safety and comfort

  • Knowledge that the home has a reduced impact on the environment

What are SIPs?

Structural Insulated Panels

  • High performance building system used in residential and light commercial construction

  • Each panel consists of an insulating foam core sandwiched between two sheets of OSB

  • It is the framing and insulation all in one package

  • One of the most airtight systems available

  • More energy efficient for heating and cooling when compared to a stick built home, thus reducing energy and maintenance costs

Contact Dave Williams, ADVOCAP Home Buyer/Rehabilitation Specialist,

at 920-922-7760 with questions or

contact Steve Poeschl at First Weber Realtors, at 920-312-4949 to schedule a tour

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