Discover Southwest Michigan Down Payment Assistance (Make MI Home)
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Down payment assistance · Berrien County
Buying a home in Saint Joseph, MI
2 county programs and 9 statewide.Saint Joseph has no program of its own, 2 across Berrien County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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What’s local to Saint Joseph
No program of Saint Joseph’s own yet
No program run for Saint Joseph alone is listed. A home in Saint Joseph can use Berrien County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Kalamazoo, about 47 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in BerrienAnywhere in Berrien County
2 county programs2 county programs a Saint Joseph homebuyer can use
The Saint Joseph marketThe Saint Joseph housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Saint Joseph
- 59.3% single-familysingle-family
- 1% townhousetownhouse
- 14.5% 2–4 units2–4 units
- 25.2% 5+ unitscondo & apartment buildings (5+ units)
- 0% mobile & othermobile home & other
About condos. None of Saint Joseph’s 2 local and county programs list condos as eligible. Discover Southwest Michigan Down Payment Assistance (Make MI Home) lists single family. Harbor Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Saint Joseph’s homes were built
pre-19401970s2020+
83.8%
of Saint Joseph homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$92,200
County area median income, 4 people (HUD)HUD area median income, Berrien County, 4-person household (2026)
$84,057
Saint Joseph median household incomeMedian household income in Saint Joseph (Census, 2024)
13 of the 73 programs here set their income limit as a share of Berrien County’s area median income, adjusted for household size. See the published limits for Berrien County
Free help nearbyFree help near Saint Joseph
Free help from a HUD-approved housing counselorFree help from a HUD-approved housing counselor
Saint Joseph’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Harbor Habitat for Humanity Homeownership Program asks for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Saint Joseph questions
Does Saint Joseph have its own down payment program?
No program run for Saint Joseph alone is listed. A home in Saint Joseph can use the 2 programs that cover Berrien County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Saint Joseph?
None of Saint Joseph’s 2 local and county programs list condos as eligible. Discover Southwest Michigan Down Payment Assistance (Make MI Home) lists single family. Harbor Habitat for Humanity Homeownership Program lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Berrien County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Berrien County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Saint Joseph?
HUD-approved housing counseling agencies teach homebuyer classes. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49085
Nearby in Berrien
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.