Ingham County Down Payment Assistance Program

What is Ingham County Down Payment Assistance Program?

Ingham County Down Payment Assistance Program is a forgivable loan for homebuyers in Ingham County, Michigan, administered by Ingham County (administered by Capital Area Housing Partnership).

• Ingham County program (currently accepting applications) offering up to $30,000 as a zero-interest second-mortgage loan with no monthly payments to cover down payment and other costs of purchasing a home in Ingham County. Loans are 100% forgivable with no repayment required after seven years. Administered by Capital Area Housing Partnership.
• Up to $30,000 as a zero-interest, fully forgivable second-mortgage loan for down payment and purchase costs.

How much assistance does it provide?

Ingham County Down Payment Assistance Program offers up to $30,000 in assistance.

• Amounts are the program's published maximums, not an offer — Ingham County (administered by Capital Area Housing Partnership) determines any individual award.

Do you have to pay it back?

Ingham County Down Payment Assistance Program is forgiven after 7 years, so a buyer who stays that long does not repay it.

• Repayment is triggered by Zero-interest second mortgage with no monthly payments; 100% forgivable after seven years with no repayment required thereafter.
• 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?

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

What are the income limits?

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

• Household income less than 80% of Area Median Income (e.g., up to $56,480/year for a single individual in Ingham County).
• Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

Is there eligibility for specific groups?

Ingham County Down Payment Assistance Program names first-generation buyers among the groups it serves.

• Being named here means the program mentions the group, not that membership alone qualifies an applicant — the rest of the eligibility rules still apply.

Where does it apply?

Ingham County Down Payment Assistance Program serves buyers purchasing in Ingham County, Michigan.

• The program gives priority to designated target areas, so the address matters as well as the county.

How do you apply?

Applications for Ingham County Down Payment Assistance Program go through Ingham County (administered by Capital Area Housing Partnership), which publishes the current terms and the application steps on its own site.

1. 1

   Contact Ingham County (administered by Capital Area Housing Partnership) to reserve funds

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

2. 2

   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.