City of Grand Rapids Homebuyer Assistance Fund (HAF)
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Kent County
Buying a home in Cedar Springs, MI
3 county programs and 9 statewide.Cedar Springs has no program of its own, 3 across Kent 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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What’s local to Cedar Springs
No program of Cedar Springs’s own yet
No program run for Cedar Springs alone is listed. A home in Cedar Springs can use Kent County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Grand Rapids, about 19 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in KentAnywhere in Kent County
3 county programs3 county programs a Cedar Springs homebuyer can use
1 more program is for homes in Grand Rapids. See them 1 program in neighboring cities — for homes inside those cities, not Cedar Springs
- Grand Rapids — ICCF Community Homes Land Trust (CHLT)
The Cedar Springs marketThe Cedar Springs housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Cedar Springs
- 50.9% single-familysingle-family
- 3.5% townhousetownhouse
- 18.4% 2–4 units2–4 units
- 13.4% 5+ unitscondo & apartment buildings (5+ units)
- 13.8% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Cedar Springs’s homes were built
pre-19401970s2020+
53.4%
of Cedar Springs 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.
$106,600
County area median income, 4 people (HUD)HUD area median income, Kent County, 4-person household (2026)
$57,979
Cedar Springs median household incomeMedian household income in Cedar Springs (Census, 2024)
14 of the 74 programs here set their income limit as a share of Kent County’s area median income, adjusted for household size. See the published limits for Kent County
Free help nearbyFree help near Cedar Springs
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Cedar Springs questions
Does Cedar Springs have its own down payment program?
No program run for Cedar Springs alone is listed. A home in Cedar Springs can use the 3 programs that cover Kent County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Cedar Springs?
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 Kent County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Kent 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 Cedar Springs?
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
49319
Nearby in Kent
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.