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City of Flint Down Payment Assistance Program

City of Flint Division of Community & Economic Development (HOME funds), administered by subrecipient Genesee County Habitat for Humanity · Flint, Michigan

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Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is City of Flint Down Payment Assistance Program?

City of Flint Down Payment Assistance Program is a silent second mortgage for homebuyers in Flint, Michigan, administered by City of Flint Division of Community & Economic Development (HOME funds), administered by subrecipient Genesee County Habitat for Humanity.

  • The City of Flint Down Payment Assistance Program is a HUD HOME-funded homebuyer assistance program (new for the 2025-26 program year) that provides down payment and closing-cost assistance to income-eligible buyers purchasing a primary residence within the City of Flint. Assistance is provided as a second-lien loan evidenced by a promissory note and deed of trust that is subordinate to the buyer's FHA or conventional first mortgage. The program is administered by Genesee County Habitat for Humanity as the City's funded subrecipient, which also provides the required pre- and post-purchase homebuyer counseling. For the 2025-26 year the City allocated $471,916.69 in HOME funds to the program.
  • Down payment and closing-cost assistance.
  • Subordinate (second-lien) HOME loan.
  • Fills financing gap so buyers can close with little to no cash.
  • Required homebuyer counseling included.
  • Targets homeownership within City of Flint.
  • This is a federal program, so it is available beyond a single state or city.
  • Funding comes from HUD HOME Investment Partnerships Program (City of Flint entitlement allocation).

Do you have to pay it back?

City of Flint Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off.

  • The assistance is recorded in second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Flint Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A completed homebuyer education course, through Genesee County Habitat for Humanity (HUD-approved housing counseling agency; pre- and post-purchase homebuyer counseling)
  • Residency: Property must be located within the City of Flint city limits
  • DRAFT (dpa-gap-finder 2026-06-08): pending review. Program is brand new (first funded 2025-26); a standalone borrower-facing guidelines/brochure/application is not yet published online. UNCONFIRMED (omitted, not guessed): exact per-buyer assistance amount (min/max), dpa_interest_rate, forgiveness_years, repayment_trigger, recapture/affordability period specifics, min_credit_score, max_dti, max_purchase_price, minimum borrower contribution, participating lenders. NOTE: The separately operated GCMPC (Genesee County) HOME DPA program explicitly EXCLUDES the City of Flint, so it is a different program. Contact the City's Community Services Division (810-766-7426) or Genesee County Habitat for Humanity to confirm current per-buyer terms.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Flint Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size.

  • HUD HOME (Flint, MI MSA / Genesee County) FY2025 Low Income (80% AMI) limits, effective June 1, 2025: 1-person $46,500; 2-person $53,150; 3-person $59,800; 4-person $66,400; 5-person $71,750; 6-person $77,050; 7-person $82,350; 8-person $87,650.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Where does it apply?

City of Flint Down Payment Assistance Program is a federal program, so it is not limited to Michigan.

How do you apply?

Applications for City of Flint Down Payment Assistance Program go through City of Flint Division of Community & Economic Development (HOME funds), administered by subrecipient Genesee County Habitat for Humanity, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Genesee County Habitat for Humanity (HUD-approved housing counseling agency; pre- and post-purchase homebuyer counseling).

  2. Contact City of Flint Division of Community & Economic Development (HOME funds), administered by subrecipient Genesee County Habitat for Humanity to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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