Forgivable loan
BCPS Housing Incentive Program (Down Payment Assistance)
Income limits · Single Family · 2-4 Unit · Condo
Down payment assistance · Calhoun County
Buying a home in Battle Creek, MI
2 Battle Creek programs and 9 statewide.Battle Creek 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 Battle Creek addresses
Battle Creek’s own programs
Down-payment assistance
Battle Creek Area Habitat for Humanity Homeownership Program
First-time homebuyers · Income limits · Single Family
The Battle Creek marketThe Battle Creek housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Battle Creek
- 68.8% single-familysingle-family
- 1.1% townhousetownhouse
- 5.9% 2–4 units2–4 units
- 21.6% 5+ unitscondo & apartment buildings (5+ units)
- 2.4% mobile & othermobile home & other
Condos count. 1 of Battle Creek’s 2 local and county programs accept condos. Battle Creek Area Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Battle Creek’s homes were built
pre-19401970s2020+
79.1%
of Battle Creek 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.
$80,700
County area median income, 4 people (HUD)HUD area median income, Calhoun County, 4-person household (2026)
$55,693
Battle Creek median household incomeMedian household income in Battle Creek (Census, 2024)
13 of the 73 programs here set their income limit as a share of Calhoun County’s area median income, adjusted for household size. See the published limits for Calhoun County
Free help nearbyFree help near Battle Creek
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
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
Battle Creek questions
Does Battle Creek have its own down payment program?
Yes, 2: BCPS Housing Incentive Program (Down Payment Assistance) and Battle Creek Area Habitat for Humanity Homeownership Program. Each is for homes inside Battle Creek.
Can I use assistance on a condo in Battle Creek?
1 of Battle Creek’s 2 local and county programs accept condos. Battle Creek Area Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Calhoun County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Calhoun 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 Battle Creek?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49014 · 49015 · 49016 · 49017 · 49018
Nearby in Calhoun
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.