Oakland County Treasurer's Independent Bank Home Buyer Assistance Program
Assistance grant · Income limits
Down payment assistance · Oakland County
Buying a home in Birmingham, MI
2 county programs and 9 statewide.Birmingham has no program of its own, 2 across Oakland 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Birmingham
No program of Birmingham’s own yet
No program run for Birmingham alone is listed. A home in Birmingham can use Oakland County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Pontiac, about 8 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OaklandAnywhere in Oakland County
2 county programs2 county programs a Birmingham homebuyer can use
1 more program is for homes in Pontiac. See them 1 program in neighboring cities — for homes inside those cities, not Birmingham
- Pontiac — City of Pontiac Down Payment Assistance Program
The Birmingham marketThe Birmingham housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Birmingham
- 70.6% single-familysingle-family
- 6.4% townhousetownhouse
- 4.5% 2–4 units2–4 units
- 18.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.1% mobile & othermobile home & other
About condos. None of Birmingham’s 2 local and county programs list condos as eligible. Oakland County Treasurer's Independent Bank Home Buyer Assistance Program lists single family. Habitat for Humanity of Oakland County Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Birmingham’s homes were built
pre-19401970s2020+
70.4%
of Birmingham 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.
$104,800
County area median income, 4 people (HUD)HUD area median income, Oakland County, 4-person household (2026)
$153,510
Birmingham median household incomeMedian household income in Birmingham (Census, 2024)
14 of the 73 programs here set their income limit as a share of Oakland County’s area median income, adjusted for household size. See the published limits for Oakland County
Free help nearbyFree help near Birmingham
21 HUD-approved counseling agencies within 15 miles21 HUD-approved housing counseling agencies 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Birmingham questions
Does Birmingham have its own down payment program?
No program run for Birmingham alone is listed. A home in Birmingham can use the 2 programs that cover Oakland County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Birmingham?
None of Birmingham’s 2 local and county programs list condos as eligible. Oakland County Treasurer's Independent Bank Home Buyer Assistance Program lists single family. Habitat for Humanity of Oakland County 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 Oakland County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Oakland 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 Birmingham?
HUD-approved housing counseling agencies teach homebuyer classes, and 21 agencies are within 15 miles of Birmingham. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48009 · 48012
Nearby in Oakland
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.