First mortgage
Harbor Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Berrien County
Buying a home in Benton Harbor, MI
1 Benton Harbor program, 1 county program and 9 statewide.Benton Harbor has 1 program of its own, 1 more across Berrien County, 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 Benton Harbor addresses
Benton Harbor’s own program
Anywhere in BerrienAnywhere in Berrien County
1 county program1 county program a Benton Harbor homebuyer can also use
The Benton Harbor marketThe Benton Harbor housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Benton Harbor
- 72.8% single-familysingle-family
- 1.3% townhousetownhouse
- 7.4% 2–4 units2–4 units
- 17.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.5% mobile & othermobile home & other
About condos. None of Benton Harbor’s 2 local and county programs list condos as eligible. Harbor Habitat for Humanity Homeownership Program lists single family. Discover Southwest Michigan Down Payment Assistance (Make MI Home) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Benton Harbor’s homes were built
pre-19401970s2020+
81.2%
of Benton Harbor 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.
$92,200
County area median income, 4 people (HUD)HUD area median income, Berrien County, 4-person household (2026)
$31,117
Benton Harbor median household incomeMedian household income in Benton Harbor (Census, 2024)
13 of the 73 programs here set their income limit as a share of Berrien County’s area median income, adjusted for household size. See the published limits for Berrien County
Free help nearbyFree help near Benton Harbor
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Benton Harbor’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Harbor Habitat for Humanity Homeownership Program asks 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
Benton Harbor questions
Does Benton Harbor have its own down payment program?
Yes, one: Harbor Habitat for Humanity Homeownership Program, a first mortgage for first-time homebuyers (new construction, income limits). It is for homes inside Benton Harbor.
Can I use assistance on a condo in Benton Harbor?
None of Benton Harbor’s 2 local and county programs list condos as eligible. Harbor Habitat for Humanity Homeownership Program lists single family. Discover Southwest Michigan Down Payment Assistance (Make MI Home) 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 Berrien County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Berrien 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 Benton Harbor?
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
49022 · 49023
Nearby in Berrien
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.