Deferred second loan
City of Pontiac Down Payment Assistance Program
First-time homebuyers · Income limits · Single Family
Down payment assistance · Oakland County
Buying a home in Pontiac, MI
2 Pontiac programs, 1 county program and 9 statewide.Pontiac has 2 programs of its own, 1 more across Oakland 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.
Find my programs Free · No credit pull · 90 seconds
Only for Pontiac addresses
Pontiac’s own programs
First mortgage
Habitat for Humanity of Oakland County Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in OaklandAnywhere in Oakland County
1 county program1 county program a Pontiac homebuyer can also use
The Pontiac marketThe Pontiac housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Pontiac
- 61.4% single-familysingle-family
- 5% townhousetownhouse
- 9.4% 2–4 units2–4 units
- 22.4% 5+ unitscondo & apartment buildings (5+ units)
- 1.9% mobile & othermobile home & other
About condos. None of Pontiac’s 3 local and county programs list condos as eligible.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Pontiac’s homes were built
pre-19401970s2020+
75.3%
of Pontiac 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.
$104,800
County area median income, 4 people (HUD)HUD area median income, Oakland County, 4-person household (2026)
$44,329
Pontiac median household incomeMedian household income in Pontiac (Census, 2024)
15 of the 74 programs here set their income limit as a share of Oakland County’s area median income, adjusted for household size. See the published limits for Oakland County
Free help nearbyFree help near Pontiac
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Pontiac questions
Does Pontiac have its own down payment program?
Yes, 2: City of Pontiac Down Payment Assistance Program and Habitat for Humanity of Oakland County Homeownership Program. Each is for homes inside Pontiac.
Can I use assistance on a condo in Pontiac?
None of Pontiac’s 3 local and county programs list condos as eligible. 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 Oakland County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Oakland 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 Pontiac?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Pontiac. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48340 · 48341 · 48342 · 48343
Nearby in Oakland
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.