Pokagon Band Down Payment Assistance Program

Pokagon Band Down Payment Assistance Program is a grant for homebuyers in Dowagiac, Michigan, administered by Pokagon Band of Potawatomi Indians, Department of Housing & Community Development. The Pokagon Band Department of Housing & Community Development provides down payment and closing-cost assistance for eligible enrolled Pokagon Band citizens to purchase a home within the Tribe's Ten-County Service Area. Assistance is the lesser of 20% of purchase price or $30,000, plus up to $2,500 toward closing costs. Applicants need a 620+ credit score, must complete homeownership classes, pass a Housing inspection, and use a 15- or 30-year fixed loan. Up to $30,000 (20% of price) down payment assistance. Up to $2,500 closing-cost assistance. For enrolled Pokagon Band citizens. Pairs with Section 184 loan guarantee. Homeownership counseling included. Funding comes from NAHASDA / Indian Housing Block Grant (HUD ONAP).

Pokagon Band Down Payment Assistance Program offers up to $30,000 in assistance. The program can be combined with May be paired with the Pokagon Band 184 Loan Program (HUD Section 184 guarantee). Amounts are the program's published maximums, not an offer — Pokagon Band of Potawatomi Indians, Department of Housing & Community Development determines any individual award.

Pokagon Band Down Payment 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.

Pokagon Band Down Payment Assistance Program is open to homebuyers who will live in the home as their primary residence. On credit, the program states: Applicant must have a credit score of 620 or above. A homebuyer education course is required, through Pokagon Band homeownership classes (Department of Housing & Community Development). Residency requirement: Home located within the Pokagon Band Ten-County Service Area (MI: Berrien, Cass, Van Buren, Allegan; plus 6 Indiana counties). Citizenship or immigration status: Must be an enrolled Pokagon Band citizen 18+, a non-citizen with custody of minor Pokagon children, or a Pokagon citizen who is an emancipated minor. Enrolled Pokagon Band citizen (or qualifying custodian/emancipated minor); 620+ credit score; HUD income limits (updated 10/14/2025); complete homeownership classes; pass Building Official inspection; 15- or 30-year fixed loan; home within Ten-County Service Area; not in debt to the Band. Plus up to $2,500 closing-cost assistance on top of the $30,000 cap.

Pokagon Band Down Payment Assistance Program sets its income limit as follows: Must fall within HUD income-limit guidelines (program page cites guidelines updated 10/14/2025). 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.

Pokagon Band Down Payment Assistance Program can be used for Single Family.

Pokagon Band Down Payment Assistance Program names American Indian and Alaska Native homebuyers 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.

Pokagon Band Down Payment Assistance Program serves homebuyers purchasing in Dowagiac, Michigan. The program targets specific areas: Pokagon Band Ten-County Service Area (4 MI counties + 6 IN counties).

Applications for Pokagon Band Down Payment Assistance Program go through Pokagon Band of Potawatomi Indians, Department of Housing & Community Development, which publishes the current terms and the application steps on its own site. 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.