Ingham County Down Payment Assistance Program
Forgivable loan · Forgiven over 7 yrs · Income limit 80% of AMI
See details Jul 2026
Down payment assistance · Michigan
Buying a home in Ingham County, MI
3 county-wide programs, 1 city with their own, plus 8 statewide and 62 nationwide.Ingham has 3 programs that cover the whole county and 1 city with a program of their own. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in InghamAnywhere in Ingham County
3 programs for every Ingham address3 programs that cover every Ingham address
All 3 are for first-time homebuyers.These are run for the whole county, so a home in East Lansing, Lansing or Holt can use them. All 3 are for first-time homebuyers.
City of Lansing Down Payment Assistance
Forgivable loan
See details Jul 2026
Habitat for Humanity Capital Region Homeownership Program
Down-payment assistance · New construction · Income limits
Single Family
See details Aug 2026
AMI is HUD’s area median income for Ingham, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Ingham city with their own program
For a home inside that city, on top of the county-wide 3.A city program is for a home inside that city. Buying there? It sits on top of the 3 county-wide programs above.
The Ingham marketThe Ingham housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Ingham
- 60.5% single-familysingle-family
- 4.7% townhousetownhouse
- 6% 2–4 units2–4 units
- 26.1% 5+ unitscondo & apartment buildings (5+ units)
- 2.6% mobile & othermobile home & other
About condos. None of the 1 county or city program here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ingham’s homes were built
pre-19401970s2020+
64.9%
of Ingham 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.
$102,600
HUD area median income, 4 people (FY2026)HUD area median income, Ingham County, 4-person household (FY2026)
$65,526
Median household income (ACS 2024 5-year)Median household income in Ingham (Census ACS 2024 5-year)
59.5%
of occupied homes are owner-occupied (Michigan: 73.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 74 programs here set their income limit as a share of Ingham County’s area median income, adjusted for household size. See the published limits for Ingham County
Free help in InghamFree help in Ingham
4 HUD-approved counseling agencies with an office in the county4 HUD-approved housing counseling agencies with an office in Ingham County
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.3 of the 4 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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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Ingham County.
11 cities and placesA to Z
All cities in Ingham CountyAll 11 cities and places in Ingham County
has a program of its own
Ingham questions
Can I use a county program anywhere in Ingham?
The 3 county-wide programs cover homes anywhere in the county. City programs, like East Lansing’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Ingham County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Ingham programs accept condos?
None of the 1 county or city program here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Ingham?
HUD-approved housing counseling agencies teach homebuyer classes, and 4 agencies have an office in Ingham County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.