Kalamazoo County Homebuyer Assistance Program

Kalamazoo County Homebuyer Assistance Program is a grant for homebuyers in Kalamazoo, Michigan, administered by Kalamazoo County Treasurer's Office (in partnership with Independent Bank). A partnership between the Kalamazoo County Treasurer's Office and Independent Bank to address the local housing crisis. Eligible applicants can receive up to $5,000 from the County Treasurer toward a down payment and/or closing costs, plus up to an additional $2,000 from Independent Bank toward closing costs (up to $7,000 combined). Applicants must purchase a primary residence in Kalamazoo County, have household income at or below 120% of county AMI, complete pre-purchase counseling, obtain financing through Independent Bank, and contribute at least $1,000 toward the purchase. Up to $5,000 grant from County Treasurer toward down payment and/or closing costs. Up to $2,000 additional from Independent Bank toward closing costs. Up to $7,000 total assistance. No first-time homebuyer requirement. Income limit up to 120% AMI. Funding comes from Kalamazoo County Treasurer's Office (down payment assistance) + Independent Bank (closing cost assistance).

Kalamazoo County Homebuyer Assistance Program offers between $1,000 and $7,000 in assistance. Award tiers: Up to $5,000 from the County Treasurer toward down payment and/or closing costs; up to an additional $2,000 from Independent Bank toward closing costs (combined up to $7,000). Homebuyer contribution: Minimum $1,000 borrower contribution toward the purchase of the home required. The program can be combined with May be combined with other assistance programs, as applicable. Amounts are the program's published maximums, not an offer — Kalamazoo County Treasurer's Office (in partnership with Independent Bank) determines any individual award.

Kalamazoo County Homebuyer Assistance Program is structured as a grant, so it is not repaid. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Kalamazoo County Homebuyer Assistance Program is open to homebuyers who will live in the home as their primary residence. A homebuyer education course is required, through Approved homeownership counseling program (pre-purchase counseling required prior to loan approval). Funds are first-come, first-served until exhausted; program subject to change and funding availability. Financing must be obtained through Independent Bank. The $5,000 Treasurer grant and $2,000 bank closing-cost contribution appear to be grants; no lien or repayment terms are disclosed - verify with Independent Bank at (269) 491-3049.

Kalamazoo County Homebuyer Assistance Program limits household income to 120% of the area median income, which varies by county and household size. Qualifying household income at or below 120% of Kalamazoo County Area Median Income (AMI), based on household size. 120% AMI effective 04/01/2025: 1-person $80,520; 2-person $92,040; 3-person $103,560; 4-person $114,960; 5-person $124,200. 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.

Kalamazoo County Homebuyer Assistance Program can be used for Single Family.

Kalamazoo County Homebuyer Assistance Program serves homebuyers purchasing in Kalamazoo, Michigan.

Applications for Kalamazoo County Homebuyer Assistance Program go through Kalamazoo County Treasurer's Office (in partnership with Independent Bank), which publishes the current terms and the application steps on its own site. Funds are reserved through First-come, first-served until funds are exhausted. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.