Forgivable loan
City of Lansing Down Payment Assistance
First-time homebuyers
Down payment assistance · Ingham County
Buying a home in Lansing, MI
2 Lansing programs, 1 county program and 9 statewide.Lansing has 2 programs of its own, 1 more across Ingham 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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Only for Lansing addresses
Lansing’s own programs
Down-payment assistance
Habitat for Humanity Capital Region Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in InghamAnywhere in Ingham County
1 county program1 county program a Lansing homebuyer can also use
1 more program is for homes in East Lansing. See them 1 program in neighboring cities — for homes inside those cities, not Lansing
- East Lansing — City of East Lansing Down Payment Assistance Program
The Lansing marketThe Lansing housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Lansing
- 61.9% single-familysingle-family
- 4.2% townhousetownhouse
- 7.5% 2–4 units2–4 units
- 24.8% 5+ unitscondo & apartment buildings (5+ units)
- 1.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Lansing’s homes were built
pre-19401970s2020+
79.5%
of Lansing 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
County area median income, 4 people (HUD)HUD area median income, Ingham County, 4-person household (2026)
$54,382
Lansing median household incomeMedian household income in Lansing (Census, 2024)
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 nearbyFree help near Lansing
5 HUD-approved counseling agencies within 15 miles5 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.2 of the 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
Lansing questions
Does Lansing have its own down payment program?
Yes, 2: City of Lansing Down Payment Assistance and Habitat for Humanity Capital Region Homeownership Program. Each is for homes inside Lansing.
Can I use assistance on a condo in Lansing?
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 Ingham County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Ingham 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 Lansing?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Lansing. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48901 · 48906 · 48907 · 48908 · 48909 · 48910 · 48911 · 48912 · 48913 · 48915 · 48916 · 48917 · 48918 · 48919 · 48921 · 48922 · 48924 · 48929 · 48930 · 48933 · 48937 · 48950 · 48951 · 48956 · 48980
Nearby in Ingham
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.