Flint · Genesee County
City of Flint Down Payment Assistance Program
Silent second · 80% of area median income
Programs by loan typePrograms by loan type · Michigan
Down payment assistance you can pair with an FHA loan in Michigan
9 programs name FHA loans: 4 city, 1 county or regional, 4 statewide.9 programs in Michigan name FHA loans among the first mortgages they can be paired with: 4 run by a city, 1 by a county or regional agency and 4 open statewide.
Two approvals, made separately. The lender underwrites the FHA loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the FHA loan; the assistance program reviews its own application. A program naming FHA means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 9 programs, closest first
From one city out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Michigan. Listed A–Z within each group, not ranked.
In a Michigan city 4 programs
For homes inside that city’s limits onlyMuskegon · Muskegon County
City of Muskegon Homebuyer's Assistance Program
Forgivable loan · 80% of area median income
Detroit · Wayne County
Habitat for Humanity Detroit Homeownership Program
First mortgage · 80% of area median income
Port Huron · St. Clair County
Port Huron Urban Pioneer+ Down Payment Assistance Program
Forgivable loan
In a county or region 1 program
For homes anywhere in the county or the counties namedWayne County
Wayne County First-Time Home Buyers Program
Deferred second loan · 80% of area median income
Anywhere in Michigan 4 programs
Can sit alongside a city or county program where both allow it- MI 10K DPAUp to $10,000 · Deferred second loan · First-time homebuyers
- MSHDA Down Payment AssistanceUp to $10,000 · Deferred second loan · First-time homebuyers
- MSHDA MI Home LoanFirst mortgage · First-time homebuyers
- Nottawaseppi Huron Band of the Potawatomi (NHBP) Down Payment Assistance Program (DPAP)Up to $20,000 · Forgivable loan · First-time homebuyers
Nationwide 33 programs · not in the 9
Nationwide: 33 more, not in the 933 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 9 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 9 of 9
ask for a homebuyer education class.
- 8 of 9
are limited to first-time homebuyers, as each program defines it.
- 3 · 3 · 2
are deferred second loans, forgivable loans and first mortgages. The other 1 is 1 silent second.
Free help in MichiganFree help in Michigan
62 HUD-approved counseling agencies in Michigan62 HUD-approved housing counseling agencies in Michigan
All 9 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.All 9 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Michigan’s programs
State pageEvery program in MichiganBy city, by county and statewide, with the 83 counties.Michigan →Income limitsIncome limits and price caps in MichiganHUD area median income by county, and the share each program sets.See the limits →
Other loan types
- Conventional loans 15
- Section 184 loans 5
- VA loans 8
- USDA loans 8
- How FHA loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with an FHA loan in Michigan?
9 programs in Michigan name FHA loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming FHA loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–September 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.