Forgivable loan
Lakeshore Habitat for Humanity Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Down payment assistance · Ottawa County
Buying a home in Holland, MI
2 Holland programs and 9 statewide.Holland has 2 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 Holland addresses
Holland’s own programs
Assistance grant
City of Holland Homebuyer Assistance (Down Payment/Closing Cost Assistance)
First-time homebuyers · New construction · Income limits · Single Family
The Holland marketThe Holland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Holland
- 62% single-familysingle-family
- 8.5% townhousetownhouse
- 8% 2–4 units2–4 units
- 19.4% 5+ unitscondo & apartment buildings (5+ units)
- 2.1% mobile & othermobile home & other
About condos. None of Holland’s 2 local and county programs list condos as eligible. Lakeshore Habitat for Humanity Homeownership Program lists single family. City of Holland Homebuyer Assistance (Down Payment/Closing Cost Assistance) lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Holland’s homes were built
pre-19401970s2020+
63.1%
of Holland 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
County area median income, 4 people (HUD)HUD area median income, Ottawa County, 4-person household (2026)
$75,865
Holland median household incomeMedian household income in Holland (Census, 2024)
13 of the 73 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 nearbyFree help near Holland
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
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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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Holland questions
Does Holland have its own down payment program?
Yes, 2: Lakeshore Habitat for Humanity Homeownership Program and City of Holland Homebuyer Assistance (Down Payment/Closing Cost Assistance). Each is for homes inside Holland.
Can I use assistance on a condo in Holland?
None of Holland’s 2 local and county programs list condos as eligible. Lakeshore Habitat for Humanity Homeownership Program lists single family. City of Holland Homebuyer Assistance (Down Payment/Closing Cost Assistance) 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 Ottawa County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Ottawa 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 Holland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Holland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49422 · 49423 · 49424
Nearby in Ottawa
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.