Down-payment assistance
Northern Homes CDC Community Land Trust Program
New construction · Income limits · Single Family
Down payment assistance · Charlevoix County
Buying a home in Boyne City, MI
1 Boyne City program and 9 statewide.Boyne City has 1 program 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 Boyne City addresses
Boyne City’s own program
The Boyne City marketThe Boyne City housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Boyne City
- 64.2% single-familysingle-family
- 2.6% townhousetownhouse
- 9.1% 2–4 units2–4 units
- 18.3% 5+ unitscondo & apartment buildings (5+ units)
- 5.8% mobile & othermobile home & other
About condos. Boyne City’s one local program does not list condos as eligible. Northern Homes CDC Community Land Trust Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Boyne City’s homes were built
pre-19401970s2020+
53.9%
of Boyne City 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.
$97,400
County area median income, 4 people (HUD)HUD area median income, Charlevoix County, 4-person household (2026)
$64,855
Boyne City median household incomeMedian household income in Boyne City (Census, 2024)
12 of the 72 programs here set their income limit as a share of Charlevoix County’s area median income, adjusted for household size. See the published limits for Charlevoix County
Free help nearbyFree help near Boyne City
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Boyne City’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Northern Homes CDC Community Land Trust 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
Boyne City questions
Does Boyne City have its own down payment program?
Yes, one: Northern Homes CDC Community Land Trust Program, a down-payment assistance (new construction, income limits). It is for homes inside Boyne City.
Can I use assistance on a condo in Boyne City?
Boyne City’s one local program does not list condos as eligible. Northern Homes CDC Community Land Trust 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 Charlevoix County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Charlevoix 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 Boyne City?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Boyne City. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49712
Nearby in Charlevoix
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.