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Port Huron Urban Pioneer+ Down Payment Assistance Program

City of Port Huron Community Development Office (Planning Department) · Port Huron, Michigan

Last verified
See what you qualify forOfficial program site →
Assistance

$10,000

The maximum the program publishes — not an offer

Price cap

$218,000

Highest purchase price the program allows

Repayment

Forgivable

Forgiven after 5 years

What is Port Huron Urban Pioneer+ Down Payment Assistance Program?

Port Huron Urban Pioneer+ Down Payment Assistance Program is a forgivable loan for homebuyers in Port Huron, Michigan, administered by City of Port Huron Community Development Office (Planning Department).

  • Urban Pioneer+ (effective October 1, 2023) provides up to $10,000 in down payment assistance to low-to-moderate-income, first-time homebuyers purchasing a home within the city limits of Port Huron, structured as a 5-year forgivable deferred loan. A limited-time additional $5,000 grant brings the maximum support to $15,000. Funds may be used for down payment, closing costs, and/or prepaid items.
  • Up to $10,000 (currently up to $15,000 with the additional grant) forgivable down payment assistance for first-time buyers in Port Huron.
  • Funding comes from HUD HOME Investment Partnerships Program funds awarded to the City of Port Huron.

How much assistance does it provide?

Port Huron Urban Pioneer+ Down Payment Assistance Program offers between $10,000 and $15,000 in assistance, depending on the award tier a buyer qualifies under.

  • Award tiers: Base $10,000 forgivable DPA; limited-time additional $5,000 grant available, for up to $15,000 total.
  • Buyer contribution: Applicant must invest at least 3 percent of the purchase price into the mortgage transaction from own funds and/or a gift from an acceptable source.
  • Amounts are the program's published maximums, not an offer — City of Port Huron Community Development Office (Planning Department) determines any individual award.

Do you have to pay it back?

Port Huron Urban Pioneer+ Down Payment Assistance Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by $10,000 is a 5-year deferred payment loan, forgivable after 5 years; no repayment required as long as all program requirements are met. Sale or non-occupancy before 5 years triggers repayment.
  • The assistance is recorded in Subordinate position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Port Huron Urban Pioneer+ 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 Blue Water Community Action Agency (BWCAA) HUD-certified first-time homebuyer education course
  • Residency: Home must be within the city limits of Port Huron
  • DRAFT (dpa-gap-finder 2026-06-11): pending admin review. Submit complete application 30 days before closing; obtain mortgage pre-approval; complete BWCAA homebuyer education; max asset balance $20,000; invest at least 3% of purchase price; occupy as primary residence and maintain home for 5 years; all City taxes/utilities/income tax current. Land Contract financing not eligible. unconfirmed: income_limit_amount; min_credit_score; max_dti; new_construction_eligible; manufactured_home_eligible.

The program excludes

  • Purchases above the $218,000 price cap

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?

Port Huron Urban Pioneer+ Down Payment Assistance Program sets its income limit as follows: Must meet HUD income limits (low-to-moderate income) for St. Clair County / Port Huron HOME program. unconfirmed: exact income_limit_amount.

  • 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?

Port Huron Urban Pioneer+ Down Payment Assistance Program caps the purchase price at $218,000.

  • Eligible property types include Single Family.

Where does it apply?

Port Huron Urban Pioneer+ Down Payment Assistance Program serves buyers purchasing in Port Huron, Michigan.

How do you apply?

Applications for Port Huron Urban Pioneer+ Down Payment Assistance Program go through City of Port Huron Community Development Office (Planning Department), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through Blue Water Community Action Agency (BWCAA) HUD-certified first-time homebuyer education course.

  2. Contact City of Port Huron Community Development Office (Planning Department) 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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