When calculating a mortgage payment, the following usally are included: loan amount, loan term, interest rate & type, insurance and taxes to determine your monthly payment. This information is explained nicely in the following web sites: mortgage-source.com and mortgage professional.com
I lived in Wisconsin for almost 9 years before moving to Charlotte NC. I was also a realtor up there and I could refer you to an excellent realtor to help you find homes and set you up on a search before you move. I would recommend shopping around for the best mortgage but do it in a two week period so it does not affect your credit score. In terms of incentives there is a lot more resale homes in Wisconsin just because the area is older. There may be incentives offered by builders but this is usually on condos. Wauwatosa is a lovely village and Washington Heights, both have lots of older renovated homes. I used to live in Shorewood. Be prepared for the taxes though, they will be at least double what you would pay here in Charlotte and this is a consideration when working out your monthly payments. Call me if you want to talk about the area, I'd be happy to answer any of your questions. You will find my contact information on my website. Good luck.