Michigan offers 34 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 10 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.
Maximum assistance available reaches $50,000 through the most generous program. Credit score requirements start as low as 640 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.
Top Down Payment Assistance Programs in Michigan
Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.
Michigan First-Time Home Buyer Savings Account Program
verifyMichigan Department of Treasury
Annual state income tax deduction of UP TO $5,000 (single) or $10,000 (joint) for contributions; maximum account balance $50,000; interest earned is also tax-exempt.
City of East Lansing Homeownership Assistance
verifyCapital Area Housing Partnership (administering Ingham County DPA funds)
UP TO $30,000 (via Ingham County DPA Program).
Ingham County Down Payment Assistance Program
verifyIngham County Treasurer's Office (administered by Capital Area Housing Partnership)
UP TO $30,000 as a zero-interest second mortgage with no monthly payments.
City of East Lansing Down Payment Assistance
openCity of East Lansing
$30,000
MSHDA First-Generation Down Payment Assistance Program
closedMichigan State Housing Development Authority (MSHDA)
UP TO $25,000 for down payment, closing costs, and prepaid escrows.
Grant Programs (10)
Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.
FHLBank Indianapolis HomeBoost Down Payment Assistance Program
Federal Home Loan Bank of Indianapolis
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- condo, townhome, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- First-generation and first-time homebuyers only
- Homebuyer Ed.
- Yes
Repayment Terms
No repayment required — this is a grant. No retention period specified.
Additional Requirements
Must be both first-generation AND first-time homebuyer. Must work with participating FHLBank Indianapolis member financial institution. Minimum $500 contribution. 2026 round opens July 8.
Notes
Available in Indiana and Michigan. FHLBank does not work directly with households.
Detroit Down Payment Assistance Program
City of Detroit
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
RepGen HORT Pilot 2.0 Grant
Reparation Generation
Eligibility Snapshot
- First-Time Buyer
- Not specified
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Not specified
FHLBank Indianapolis Launch Down Payment Assistance Program
Federal Home Loan Bank of Indianapolis
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- $1,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Repayment Terms
5-year retention period. If home is sold or refinanced within 5 years, pro-rated amount of assistance must be repaid — unless purchaser is low/moderate-income household, or due to death of sole owner, or if calculated repayment is less than $2,500. Secured by a deed restriction or similar legal instrument.
Additional Requirements
Must work with participating FHLBank Indianapolis member financial institution. Minimum $500 contribution. 2026 round opens April 14.
Notes
FHLBank does not work directly with households. Funds accessed through participating member banks, credit unions, and CDFIs.
Down Payment Assistance
Confederated Tribes of Grand Ronde - Housing
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Down Payment Assistance program
Grand Travers Band of Ottawa & Chippawa Indians
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium, Modular, Manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
Kalamazoo
Kalamazoo County Treasurer's Office (in partnership with Independent Bank)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Must finance through Independent Bank
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
120% of Kalamazoo County AMI, based on household size.
Check AMI limits for your county →Repayment Terms
No repayment required (grant).
Additional Requirements
Minimum $1,000 borrower contribution. Can be combined with other assistance programs. Subject to funding availability, first-come first-served.
Notes
Previously listed as $7,000 deferred loan. Corrected: it is a $5,000 grant. The $7,000 figure included $2,000 Independent Bank closing cost credit which is separate.
Oakland County Homebuyer Assistance Program
Oakland County Treasurer's Office (in partnership with Independent Bank)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 120% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Must finance through Independent Bank
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
120% of Oakland County AMI. 2025 threshold: $123,240.
Check AMI limits for your county →Repayment Terms
No repayment required (grant).
Additional Requirements
Minimum $1,000 personal contribution. Must finance through Independent Bank. Subject to funding availability. Initial $100,000 commitment.
Notes
Required; first-time buyer defined as no ownership interest in residential property in past 3 years
ICCF IDA Program
Inner City Christian Federation Community Homes
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- All
- Homebuyer Ed.
- Yes
National Faith Homebuyers Rehabbed & Ready Down Payment Assistance Program
National Faith Homebuyers (in partnership with Detroit Land Bank Authority and Rocket Community Fund)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Household income less than 120% of MSHDA...
- Min Credit Score
- Not specified
- Property Types
- single-family, duplex
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- grant
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Household income less than 120% of MSHDA income limit for Wayne County.
Check AMI limits for your county →Repayment Terms
Grant forgivable after 3 years of owner-occupancy. If buyer moves within 3 years, grant repaid on a prorated basis.
Additional Requirements
Must purchase a Rehabbed & Ready Home from Detroit Land Bank Authority. Detroit resident for 12+ months. Minimum $1,000 contribution. Max 35% housing expense ratio. 3-year residency requirement with proration.
Notes
Powered by Rocket Community Fund ($200,000 commitment). Limited to homes in the DLBA Rehabbed & Ready program.
Forgivable Loans (10)
Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.
City of East Lansing Homeownership Assistance
Capital Area Housing Partnership (administering Ingham County DPA funds)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- $209,000 (existing homes), $303,000 (new construction)
Quick Facts
- Loan Types
- 30-year fixed-rate fully amortizing mortgage
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Zero-interest second mortgage. 100% forgivable after 7 years for existing homes, 20 years for new construction.
Additional Requirements
This is part of the Ingham County DPA program administered by CAHP. East Lansing is within Ingham County. Minimum $1,000 buyer contribution. Max $30,000 liquid assets. CLTV cannot exceed 105%. No flood zone properties.
Notes
East Lansing CDBG page references homeownership assistance of $1,000-$30,000 administered by CAHP. This is the Ingham County DPA, not a separate city program.
Ingham County Down Payment Assistance Program
Ingham County Treasurer's Office (administered by Capital Area Housing Partnership)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo, townhome, manufactured
- Max Price
- $209,000 (existing homes), $303,000 (new construction)
Quick Facts
- Loan Types
- 30-year fixed-rate fully amortizing mortgage
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI for Lansing-East Lansing MSA. 1-person: $56,500; 2-person: $64,550; 3-person: $72,600; 4-person: $80,650. Max $30,000 liquid assets.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
100% forgivable after 7 years (existing homes) or 20 years (new construction). Prorated repayment if sold or ceases to be primary residence before affordability period ends.
Additional Requirements
Minimum $1,000 buyer contribution. CLTV cannot exceed 105%. No flood zone properties. Housing DTI 20-33%, total DTI max 45%. No co-signers who won't be owner-occupants. Priority for first-generation homebuyers.
Notes
Now accepting applications. No collections, unpaid accounts, judgments, or defaulted debts allowed. Subordination only for rate/term refinance.
City of Warren Direct Homebuyer Assistance Program (HOME)
City of Warren Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low- and moderate-income buyers; must meet eligibility criteria established by the City's Community Development Block Grant Technical Committee
Check AMI limits for your county →Repayment Terms
Forgivable deferred loan. Loans under $15,000 forgiven after 5 years; loans $15,000+ forgiven after 10 years. Secured by second mortgage on the property.
Additional Requirements
Application requires Community Development Block Grant Technical Committee review and City Council authorization via resolution. MSU Extension Macomb Office provides free HUD counseling: (586) 469-7614. Annual compliance notice required.
Notes
Program designed for first-time and low-to-moderate income buyers of city-owned properties
Battle Creek
City of Battle Creek Community Development Division (funded by W.K. Kellogg Foundation)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- single-family, duplex, 1-4 unit, condo, manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- Battle Creek Public Schools (BCPS) teachers and ad...
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
No-interest, no-payment loan forgivable after 3 years of continued BCPS employment and owner-occupancy. Full repayment if employment ends or property ceases to be primary residence.
Additional Requirements
Must be full-time BCPS teacher or administrator. 8-hour accredited homebuyer education class required. Interest rate must be within 100 basis points of current national average 30-year fixed rate. No land contracts.
Notes
This is NOT a general public DPA program. Restricted to BCPS employees only. Funded by W.K. Kellogg Foundation.
City of Lansing Down Payment Assistance
City of Lansing Development Office (administered by Capital Area Housing Partnership)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Zero-interest deferred payment loan. Forgiven after 5 years if homebuyer remains in home as primary residence. Due and payable if property ceases to be principal residence.
Additional Requirements
Must buy within City of Lansing city limits. Home must be permanently affixed and taxed as real estate. Must pass City of Lansing DPA inspection. Minimum $1,000 personal investment. First-come first-served, limited funds.
Notes
Funded through federal HOME Investment Partnerships Program. Applications submitted to Capital Area Housing Partnership at 1900 S. Cedar Street, Lansing.
National Faith Homebuyers Westland Down Payment Assistance Program
National Faith Homebuyers (administering City of Westland funds)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo
- Max Price
- $219,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI. 1-person: $56,600; 2-person: $64,650; 3-person: $72,750; 4-person: $80,800; 5-person: $87,300; 6-person: $93,750; 7-person: $100,200; 8-person: $106,700.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Second mortgage forgiven after 5 years of primary residence occupancy.
Additional Requirements
Must buy in City of Westland. Max $25,000 in liquid assets. Mortgage financing required (no land contract or lease/purchase).
Notes
Required; no homeownership interest in past 3 years
Wayne County (Excluding Detroit)
National Faith Homebuyers (administering Wayne County funds)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family, condo
- Max Price
- $219,000
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI. 1-person: $56,600; 2-person: $64,650; 3-person: $72,750; 4-person: $80,800; 5-person: $87,300; 6-person: $93,750; 7-person: $100,200; 8-person: $106,700.
Check AMI limits for your county →Repayment Terms
Forgiven after 5 years of owner-occupancy as principal residence. Secured by second mortgage.
Additional Requirements
Excludes Canton, Dearborn, Dearborn Heights, Detroit, Lincoln Park, Livonia, Redford, Taylor, and Westland. Max $20,000 in liquid assets. Mortgage financing required (no land contract or lease/purchase).
Notes
Required
Genesee County Down Payment Assistance
Genesee County Metropolitan Planning Commission (GCMPC)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- Not specified
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
80% AMI (Flint/Genesee County MFI $83,000). 1-person: $46,500; 2-person: $53,150; 3-person: $59,800; 4-person: $66,400.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Zero-interest loan forgiven after 5 years if homeowner remains in home. Secured by recorded Mortgage and Promissory Note.
Additional Requirements
Excludes Cities of Flint and Clio, and Villages of Otter Lake and Lennon. Max $30,000 in liquid assets. Must work with a participating financial institution. Zero interest in other properties.
Notes
Funded through HOME Investment Partnership from HUD. Very limited funding pool ($100,000 total). First-come first-served.
City of Grand Rapids Homebuyer Assistance Fund
City of Grand Rapids Community Development Department
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- 80% AMI
- Min Credit Score
- Not specified
- Property Types
- single-family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
80% AMI. Household assets must be $10,000 or less after closing.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
Forgivable after 5 years of owner-occupancy. Must be repaid if home is sold, refinanced, or no longer primary residence before 5 years.
Additional Requirements
Must be within Grand Rapids city limits. Must meet HUD/FHA minimum property standards. Must be at least 18 years old. Minimum personal investment required.
Notes
Check program requirements
Washtenaw County Homebuyer Assistance Program
Washtenaw County Office of Community and Economic Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Low-moderate income
- Min Credit Score
- Not specified
- Property Types
- manufactured
- Max Price
- Not specified
Quick Facts
- Loan Types
- Not specified
- Assistance Type
- forgivable loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Low- to moderate-income; must live or work in Washtenaw County; exact limits vary by program cycle
Check AMI limits for your county →Repayment Terms
Terms vary by program cycle — may be forgivable loan or deferred second mortgage. Contact OCED for current terms.
Additional Requirements
Funding opens in cycles — timing matters. Funded through HOME/CDBG Program via HUD. Application must include all income documentation. Programs often designed to work alongside MSHDA loans.
Notes
First-time homebuyer status required (no homeownership in past 3 years); some exceptions for displaced homemakers or single parents
Deferred Payment Loans (13)
Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.
City of East Lansing Down Payment Assistance
City of East Lansing
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Repayment Terms
Deferred Payment - Repayable at sale or refinance
MSHDA First-Generation Down Payment Assistance Program
Michigan State Housing Development Authority (MSHDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Must fall within MSHDA household income ...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, manufactured
- Max Price
- $544,233
Quick Facts
- Loan Types
- FHA, Conventional, USDA
- Assistance Type
- deferred loan
- Profession
- First-generation homebuyers only
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
Deferred loan.
Additional Requirements
CLOSED: All funds exhausted. Applications no longer accepted. Required face-to-face homebuyer education with HUD-certified counselor. Minimum 1% cash investment. Cannot combine with MI 10K DPA.
Notes
Pilot program funded by $8 million state allocation for 320+ families. First-generation homebuyers only (no parent owned in last 3 years, or aged out of foster care/emancipated).
Down Payment Assistance Program
City of Livonia
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, 3 units, 4 units, Condominium
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Homebuyer’s Assistance Program
City of Muskegon
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- $182,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
First Time Homebuyers Program
Wayne County Department of Economic Development
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Condominium, Townhouse/PUD
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
None
Repayment Terms
Deferred Payment - Repayable at sale or refinance
Michigan State Housing Development Authority (MSHDA) MI Home Loan Program
Michigan State Housing Development Authority (MSHDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by county and household size. Ran...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, manufactured
- Max Price
- $544,233
Quick Facts
- Loan Types
- FHA, Conventional, USDA, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Varies by county and household size. Ranges from approximately $91,200 to $174,720 depending on location and targeted/non-targeted area.
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
0% interest loan with no monthly payments. Deferred until payoff of first mortgage, sale or refinance of the home, or when the home is no longer owner-occupied.
Additional Requirements
Must use MSHDA-approved lender. Repeat buyers eligible in targeted areas only. MI 10K DPA available on FHA, Conventional, and USDA loans (not VA).
Notes
First-time homebuyers eligible statewide. Repeat homebuyers eligible in MSHDA-designated targeted areas only. MSHDA helped 6,000+ Michiganders become homeowners in 2025.
MSHDA MI 10K DPA Loan
Michigan State Housing Development Authority (MSHDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by county and household size.
- Min Credit Score
- 640+
- Property Types
- single-family, condo, manufactured
- Max Price
- $544,233
Quick Facts
- Loan Types
- FHA, Conventional, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Interest Rate
0%
Repayment Terms
0% interest loan with no monthly payments. Deferred until payoff of first mortgage, sale or refinance of the home, or when the home is no longer owner-occupied.
Additional Requirements
Must be combined with MSHDA MI Home Loan first mortgage. Maximum financing is not required.
Notes
Required
Urban Pioneer+ Down Payment Assistance Program
City of Port Huron
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, Townhouse/PUD, Condominium
- Max Price
- $219,000
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Repayment Terms
Deferred Payment - Repayable at sale or refinance
MSHDA MI Home Loan Flex Program
Michigan State Housing Development Authority (MSHDA)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Varies by county and household size (e.g...
- Min Credit Score
- 660+
- Property Types
- single-family, condo, manufactured
- Max Price
- $224,500 (when program was active)
Quick Facts
- Loan Types
- FHA, Conventional, USDA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Yes
Income Limits
Varies by county and household size (e.g., Macomb County: $95,900 for 1–2 person household; $110,285 for 3+ person household)
Check AMI limits for your county →Interest Rate
0%
Repayment Terms
30-year fixed-rate mortgage; down payment assistance portion is a zero-interest deferred loan due upon sale, refinance, or payoff.
Additional Requirements
Program is currently suspended. Official MSHDA page returns 404. Not listed on current MSHDA Pathway to Housing page.
Notes
Flex allowed repeat buyers statewide and only qualifying borrowers on the loan (not entire household). Temporarily suspended by MSHDA.
MSHDA Mortgage Credit Certificate (MCC) Program
Michigan State Housing Development Authority (MSHDA)
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Varies by county, household size, and ta...
- Min Credit Score
- 640+
- Property Types
- single-family, condo, manufactured
- Max Price
- $544,233
Quick Facts
- Loan Types
- FHA, Conventional, USDA, VA
- Assistance Type
- deferred loan
- Profession
- all
- Homebuyer Ed.
- Not specified
Income Limits
Varies by county, household size, and targeted/non-targeted area.
Check AMI limits for your county →Repayment Terms
No repayment required — this is a tax credit, not a loan. If home is sold within 9 years, a recapture tax may apply; MSHDA reimburses recapture tax paid.
Additional Requirements
MCC must be applied for and approved prior to buying the home through an approved MCC Lender.
Notes
Federal tax credit, not traditional DPA. Dollar-for-dollar reduction in tax liability. MCC Public Notice dated 3-20-26 confirms active status.
Detroit Down Payment Assistance Program - scraped with ai
City of Detroit
Eligibility Snapshot
- First-Time Buyer
- Yes
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family
- Max Price
- Not specified
Quick Facts
- Loan Types
- Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Not specified
Chenoa Fund FHA Down Payment Assistance Forgivable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Chenoa Fund FHA Down Payment Assistance Repayable
CBC Mortgage Agency (Chenoa Fund)
Eligibility Snapshot
- First-Time Buyer
- No
- Income Limit
- Not specified
- Min Credit Score
- Not specified
- Property Types
- Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
- Max Price
- $766,550
Quick Facts
- Loan Types
- FHA
- Assistance Type
- deferred loan
- Profession
- All
- Homebuyer Ed.
- Yes
Interest Rate
Note rate 1% above the first mortgage note rate
Repayment Terms
This loan does require a monthly payment on the second mortgage.
How to Apply for Down Payment Assistance in Michigan
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1
Check Your Eligibility
Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
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2
Contact the Program Administrator
Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
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3
Get Pre-Approved with a Participating Lender
Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
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4
Complete Homebuyer Education (If Required)
Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
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5
Close & Move In
DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.
Frequently Asked Questions
How much down payment assistance can I get in Michigan?
Up to $50,000 through available programs in Michigan. Multiple programs can often be combined for even more assistance. The exact amount depends on your income, location, and the specific program requirements.
Do I need to be a first-time homebuyer?
Not always. 9 programs in Michigan are open to repeat buyers. "First-time buyer" is typically defined as not having owned a home in the past three years.
What credit score do I need?
As low as 640 for some programs. Most programs require 620-660. Higher credit scores may qualify you for more programs and better terms.
Can I combine multiple DPA programs?
In many cases, yes. Some programs are specifically designed to be layered with others. For example, you might combine a state grant with a local deferred loan. Check with each program administrator about stacking eligibility.
DPA Programs in Nearby States
Help Us Keep This Data Accurate
Know about a DPA program in Michigan that's changed, closed, or one we're missing? This directory is community-maintained. Your input helps thousands of homebuyers find the right programs.
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Tell us about your situation and we will put together a personalized guide to the programs you may qualify for.
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