Forgivable loan
City of Grand Rapids Homebuyer Assistance Fund (HAF)
First-time homebuyers · Income limits
Down payment assistance · Kent County
Buying a home in Grand Rapids, MI
4 Grand Rapids programs and 9 statewide.Grand Rapids has 4 programs 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 Grand Rapids addresses
Grand Rapids’s own programs
Assistance grant
ICCF Community Homes Individual Development Account (IDA) Program
First-time homebuyers · Income limits · Single Family
Down-payment assistance
Habitat for Humanity of Kent County Homeownership Program
New construction · Income limits · Single Family · Condo · Townhouse
Shared-appreciation loan
ICCF Community Homes Land Trust (CHLT)
First-time homebuyers · New construction · Income limits · Single Family · Condo
The Grand Rapids marketThe Grand Rapids housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Grand Rapids
- 56.2% single-familysingle-family
- 5.3% townhousetownhouse
- 16.1% 2–4 units2–4 units
- 21.9% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Grand Rapids’s homes were built
pre-19401970s2020+
75.7%
of Grand Rapids 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)
$69,108
Grand Rapids median household incomeMedian household income in Grand Rapids (Census, 2024)
14 of the 75 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 Grand Rapids
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 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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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Grand Rapids questions
Does Grand Rapids have its own down payment program?
Yes, 4: City of Grand Rapids Homebuyer Assistance Fund (HAF), ICCF Community Homes Individual Development Account (IDA) Program, Habitat for Humanity of Kent County Homeownership Program and ICCF Community Homes Land Trust (CHLT). Each is for homes inside Grand Rapids.
Can I use assistance on a condo in Grand Rapids?
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 Grand Rapids?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Grand Rapids. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49501 · 49502 · 49503 · 49504 · 49505 · 49506 · 49507 · 49508 · 49509 · 49510 · 49512 · 49514 · 49515 · 49516 · 49518 · 49523 · 49525 · 49530 · 49544 · 49546 · 49548 · 49550 · 49555 · 49560 · 49588 · 49599
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.