Kalamazoo County Homebuyer Assistance Program

What is 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).

How much assistance does it provide?

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).
• Buyer 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.

Do you have to pay it back?

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.

Who qualifies?

Kalamazoo County Homebuyer Assistance Program is open to buyers who will live in the home as their primary residence.

What are the income limits?

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.

What kind of home can it be used for?

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

Where does it apply?

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

How do you apply?

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.

1. 1

   Take a homebuyer education course

   Required by the program, through Approved homeownership counseling program (pre-purchase counseling required prior to loan approval).

2. 2

   Contact Kalamazoo County Treasurer's Office (in partnership with Independent Bank) to reserve funds

   Funds are reserved through First-come, first-served until funds are exhausted, and are subject to availability.

3. 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.