Down-payment assistance
Habitat for Humanity of Huron Valley Home Ownership Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Washtenaw County
Buying a home in Ann Arbor, MI
2 Ann Arbor programs and 9 statewide.Ann Arbor has 2 programs of its own, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Ann Arbor addresses
Ann Arbor’s own programs
Deferred second loan
Washtenaw County / City of Ann Arbor Down Payment Assistance Program
First-time homebuyers · Income limits
Neighboring cities
1 program for homes in nearby cities
1 more program is for homes in Ypsilanti. See them 1 program in neighboring cities — for homes inside those cities, not Ann Arbor
- Ypsilanti — LiveYpsi Homebuyer Assistance Program
The Ann Arbor marketThe Ann Arbor housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Ann Arbor
- 41.6% single-familysingle-family
- 12.3% townhousetownhouse
- 8.8% 2–4 units2–4 units
- 37% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ann Arbor’s homes were built
pre-19401970s2020+
63.4%
of Ann Arbor homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$142,300
County area median income, 4 people (HUD)HUD area median income, Washtenaw County, 4-person household (2026)
$82,212
Ann Arbor median household incomeMedian household income in Ann Arbor (Census, 2024)
14 of the 73 programs here set their income limit as a share of Washtenaw County’s area median income, adjusted for household size. See the published limits for Washtenaw County
Free help nearbyFree help near Ann Arbor
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Ann Arbor questions
Does Ann Arbor have its own down payment program?
Yes, 2: Habitat for Humanity of Huron Valley Home Ownership Program and Washtenaw County / City of Ann Arbor Down Payment Assistance Program. Each is for homes inside Ann Arbor.
Can I use assistance on a condo in Ann Arbor?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Washtenaw County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Washtenaw County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Ann Arbor?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Ann Arbor. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48103 · 48104 · 48105 · 48106 · 48107 · 48108 · 48109 · 48113
Nearby in Washtenaw
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.