Chippewa County
Bay Mills Indian Community Down Payment Assistance Program
Forgivable loan · 80% of area median income
Programs by loan typePrograms by loan type · Michigan
Down payment assistance you can pair with a USDA loan in Michigan
8 programs name USDA loans: 4 county or regional, 4 statewide.8 programs in Michigan name USDA loans among the first mortgages they can be paired with: 4 by a county or regional agency and 4 open statewide.
Two approvals, made separately. The lender underwrites the USDA 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 USDA loan; the assistance program reviews its own application. A program naming USDA 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 8 programs, closest first
From a single county 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 0 programs
No Michigan city program names USDA. 18 cities run a program of their own.No Michigan city program names USDA loans in its record. 18 Michigan cities run a program of their own. Browse Michigan cities →
In a county or region 4 programs
For homes anywhere in the county or the counties namedGrand Traverse, Antrim, Benzie, Charlevoix, Leelanau, Manistee County
Grand Traverse Band NAHASDA Down Payment Assistance Program
Forgivable loan · 80% of area median income
Grand Traverse, Antrim, Benzie, Charlevoix, Leelanau, Manistee County
Grand Traverse Band RAO Down Payment Assistance Program
Assistance grant
Charlevoix County
Northern Homes CDC Community Land Trust Program
Down-payment assistance
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 25 programs · not in the 8
Nationwide: 25 more, not in the 825 nationwide programs that also name USDA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde 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
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus 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 HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- USDA Rural Development Single Family Housing Guaranteed Loan Program
- All nationwide programs →
What to know
What the 8 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.
- 7 of 8
ask for a homebuyer education class.
- 7 of 8
are limited to first-time homebuyers, as each program defines it.
- 3 · 2 · 1
are forgivable loans, deferred second loans and assistance grants. The other 2 are 1 other assistance and 1 first mortgage.
Free help in MichiganFree help in Michigan
62 HUD-approved counseling agencies in Michigan62 HUD-approved housing counseling agencies in Michigan
7 of 8 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a USDA loan fit together.7 of 8 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
- FHA loans 9
- VA loans 8
- How USDA loans work with assistance, nationally →
By situation
Questions, answered
Can down payment assistance be used with a USDA loan in Michigan?
8 programs in Michigan name USDA 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 USDA 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.