The only low income mortgage programs that I'm aware of are the no money down USDA programs.
You have the direct and the guaranteed but they're only available in certain parts of Douglas County like Lake Nebagamon. You can use the link below to see which areas are eligible.
The county income limit for a household of 1-4 people is $44,850 for the direct and $77,050 for the guaranteed.
You can find more information by clicking the link below or you can contact me through Trulia.