Bay Mills Indian Community Down Payment Assistance Program
Forgivable loan · Forgiven over 5 yrs · Income limits
Down payment assistance · Chippewa County
Buying a home in Sault Ste. Marie, MI
1 county program and 9 statewide.Sault Ste. Marie has no program of its own, 1 across Chippewa 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 Sault Ste. Marie
No program of Sault Ste. Marie’s own yet
No program run for Sault Ste. Marie alone is listed. A home in Sault Ste. Marie can use Chippewa County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Midland, about 199 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in ChippewaAnywhere in Chippewa County
1 county program1 county program a Sault Ste. Marie homebuyer can use
The Sault Ste. Marie marketThe Sault Ste. Marie housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Sault Ste. Marie
- 64.9% single-familysingle-family
- 5.9% townhousetownhouse
- 10.8% 2–4 units2–4 units
- 13.5% 5+ unitscondo & apartment buildings (5+ units)
- 4.8% mobile & othermobile home & other
About condos. Sault Ste. Marie’s one local program does not list condos as eligible. Bay Mills Indian Community Down Payment Assistance Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Sault Ste. Marie’s homes were built
pre-19401970s2020+
70.7%
of Sault Ste. Marie 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.
$86,300
County area median income, 4 people (HUD)HUD area median income, Chippewa County, 4-person household (2026)
$55,328
Sault Ste. Marie median household incomeMedian household income in Sault Ste. Marie (Census, 2024)
13 of the 72 programs here set their income limit as a share of Chippewa County’s area median income, adjusted for household size. See the published limits for Chippewa County
Free help nearbyFree help near Sault Ste. Marie
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
Create a free account to see who’s near you and pick one.A HUD-approved counselor teaches homebuyer classes 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
Sault Ste. Marie questions
Does Sault Ste. Marie have its own down payment program?
No program run for Sault Ste. Marie alone is listed. A home in Sault Ste. Marie can use the 1 program that cover Chippewa County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Sault Ste. Marie?
Sault Ste. Marie’s one local program does not list condos as eligible. Bay Mills Indian Community Down Payment Assistance 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 Chippewa County?
Each program sets its own. 13 of the programs here set theirs as a share of HUD’s area median income for Chippewa 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 Sault Ste. Marie?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Sault Ste. Marie. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49783
Nearby in Chippewa
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.