Down payment assistance · Michigan

Buying a home in Michigan

65 programs: 9 statewide, the rest run by counties and 18 cities. What you can use depends on where the home is.65 programs across Michigan: 9 statewide, the rest run by counties and 18 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Wayne	8	$178,500	$104,800	See Wayne
Ingham	4	$198,800	$102,600	See Ingham
Kent	4	$289,900	$106,600	See Kent
Genesee	3	$182,400	$82,100	See Genesee
All 83 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–September 2026.

Anywhere in Michigan

9 statewide programs

Up to $20,000

FHLBank Indianapolis Launch Down Payment Assistance (HOP)

Assistance grant · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $20,000

Nottawaseppi Huron Band of the Potawatomi (NHBP) Down Payment Assistance Program (DPAP)

Forgivable loan · Forgiven over 5 yrs · Income limits · First-time

See details

Up to $10,000

MI 10K DPA

Deferred second loan · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

62 HUD-approved counseling agencies in Michigan62 HUD-approved housing counseling agencies in Michigan

7 of the 9 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.7 of the 9 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

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Income limitsIncome limits and price caps in MichiganArea median income for all 83 counties, and the limit each program sets.See the limits

Michigan questions

What is FHLBank Indianapolis Launch Down Payment Assistance (HOP)?

FHLBank Indianapolis Launch Down Payment Assistance (HOP), a assistance grant for first-time homebuyers (forgiven over 5 yrs, income limits), open anywhere in Michigan and run by Federal Home Loan Bank of Indianapolis (via participating member financial institutions). Its page has the details and a link to the official site.

Which Michigan counties run their own programs?

23 counties of 83 have a county or city program listed, among them Wayne, Ingham, Kent and Genesee. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Michigan?

Many programs ask for one. 7 of the 9 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Michigan condo?

Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.