Lakeshore Habitat for Humanity Homeownership Program
Forgivable loan · New construction · Income limits
Single Family
See details Jul 2026
Down payment assistance · Michigan
Buying a home in Ottawa County, MI
1 county-wide program, 1 city with their own, plus 8 statewide and 62 nationwide.Ottawa has 1 program that covers 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 OttawaAnywhere in Ottawa County
1 program for every Ottawa address1 program that covers every Ottawa address
It is for first-time homebuyers and ask for a homebuyer class.This is run for the whole county, so a home in Holland, Allendale or Jenison can use it. It is for first-time homebuyers and ask for a homebuyer class.
Only inside city limits
1 city with their own program1 Ottawa city with their own program
For a home inside that city, on top of the county-wide 1.A city program is for a home inside that city. Buying there? It sits on top of the 1 county-wide program above.
The Ottawa marketThe Ottawa housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Ottawa
- 69.7% single-familysingle-family
- 7.8% townhousetownhouse
- 5.6% 2–4 units2–4 units
- 11.5% 5+ unitscondo & apartment buildings (5+ units)
- 5.4% mobile & othermobile home & other
About condos. None of the 2 county or city programs here list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Ottawa’s homes were built
pre-19401970s2020+
40.4%
of Ottawa 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.
$113,700
HUD area median income, 4 people (FY2026)HUD area median income, Ottawa County, 4-person household (FY2026)
$90,502
Median household income (ACS 2024 5-year)Median household income in Ottawa (Census ACS 2024 5-year)
79.3%
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. 12 of the 72 programs here set their income limit as a share of Ottawa County’s area median income, adjusted for household size. See the published limits for Ottawa County
Free help in OttawaFree help in Ottawa
2 HUD-approved counseling agencies with an office in the county2 HUD-approved housing counseling agencies with an office in Ottawa County
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.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Ottawa County.
10 cities and placesA to Z
All cities in Ottawa CountyAll 10 cities and places in Ottawa County
has a program of its own
Ottawa questions
Can I use a county program anywhere in Ottawa?
The 1 county-wide program cover homes anywhere in the county. City programs, like Holland’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 Ottawa 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 Ottawa programs accept condos?
None of the 2 county or city programs here list condos as eligible. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Ottawa?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies have an office in Ottawa 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.