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Down payment assistance

Down payment assistance in Shorewood-Tower Hills-Harbert, MI

60 programs a Shorewood-Tower Hills-Harbert buyer could use — grants, forgivable loans, and tax credits. Free to explore, no SSN, no credit pull.

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Programs available
60

Programs available

Open to first-time buyers
27

Open to first-time buyers

Forgivable
46

Forgivable

Largest award
$20,000

Largest award

60 programs

In Berrien County

2 programs

Discover Southwest Michigan Down Payment Assistance (Make MI Home)

Southwest Michigan Regional Chamber (Discover Southwest Michigan program)

Up to $5,000

Assistance grant

First-timeTargeted area
Verified Jun 2026

Harbor Habitat for Humanity Homeownership Program

Harbor Habitat for Humanity

First mortgage

First mortgage · New construction · Income limits

First-time
Verified Jun 2026

Across Michigan

9 programs

FHLBank Indianapolis Launch Down Payment Assistance (HOP)

Federal Home Loan Bank of Indianapolis (via participating member financial institutions)

Up to $20,000

Assistance grant · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026

Nottawaseppi Huron Band of the Potawatomi (NHBP) Down Payment Assistance Program (DPAP)

Nottawaseppi Huron Band of the Potawatomi Housing Department

Up to $20,000

Forgivable loan · Forgiven over 5 yrs · Income limits

First-time
Verified Jun 2026

MI 10K DPA

Up to $10,000

Deferred second loan · Income limits

First-timeTargeted area
Verified Jun 2026

MSHDA Down Payment Assistance

Up to $10,000

Deferred second loan · Income limits

First-time
Verified Jun 2026

Little River Band of Ottawa Indians - Homeownership Initiative 100 (HI-100) Down Payment and Closing Cost Assistance

Little River Band of Ottawa Indians Housing Department

Up to $5,000

Assistance grant · Forgiven over 10 yrs · Income limits

First-time
Verified Jun 2026

MSHDA Mortgage Credit Certificate (MCC)

Michigan State Housing Development Authority (MSHDA)

Up to $2,000

Mortgage credit certificate · New construction · Income limits

First-timeTargeted area
Verified Jun 2026

FHLBank Indianapolis HomeBoost Down Payment Assistance

Federal Home Loan Bank of Indianapolis (via participating member financial institutions)

Grant

Assistance grant · Income limits

First-time
Verified Jun 2026

MSHDA MI Home Loan

Michigan State Housing Development Authority (MSHDA)

First mortgage

First mortgage · New construction · Income limits

First-timeTargeted area
Verified Jun 2026

Saginaw Chippewa Indian Tribe Section 184 Indian Home Loan Program

Saginaw Chippewa Housing Department (HUD Section 184 Office of Loan Guarantee)

First mortgage

First mortgage · Income limits

Verified Jun 2026

Federal

49 programs

American Pacific Mortgage 1% Home Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide

American Pacific Mortgage Pathway DPA

Deferred

Deferred second loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

BluePoint Mortgage Zero-Down Home Loan

0.035% of price

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

BNY Down Payment Assistance

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Chico Rancheria Housing Corporation Homebuyer Assistance

0.25% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Confederated Tribes of Grand Ronde Down Payment Assistance

0.2% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

CrossCountry Mortgage Community Promise

Grant

Assistance grant · Income limits

NationwideTargeted area

CrossCountry Mortgage Non-QM loans

Grant

Assistance grant

Nationwide
Verified Jun 2026

CrossCountry Mortgage Smart Start Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwideTargeted area

Direct Mortgage Loans Go Direct FHA 100% Financing

0.035% of price

Deferred second loan · Income limits

Nationwide

Empowered DPA Program Down Payment Assistance

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage 1% Down Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Guild Mortgage 3-2-1 Home Plus Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Guild Mortgage Doctor and Medical Professionals Program

Grant

Assistance grant

Nationwide

Guild Mortgage MyPath2Own Program

Forgivable

Forgivable loan · Forgiven over 5 yrs · Income limits

First-timeNationwide

Guild Mortgage Zero Down Mortgage Program

Deferred

Deferred second loan · Income limits

First-timeNationwideTargeted area

Lakeview National Down Payment Assistance Homeownership Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Land Home Financial Services, Inc. House2Home Program

Deferred

Deferred second loan · Income limits

Nationwide

Lennar Mortgage Advantage Plus Program

Grant

Assistance grant · New construction

Nationwide
Verified Jun 2026

Lennar Mortgage Breathe Easy Program

Grant

Assistance grant · New construction

Nationwide

Luminate Bank Luminate PATH National DPA Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

NACA Homeownership through Public Housing Assistance (HOT-PHA)

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

NACA's New Construction Homes

Grant

Assistance grant · New construction · Income limits

Nationwide

NASA FCU $0 Down, No PMI Mortgage Purchase

Grant

Assistance grant

Nationwide
Verified Jun 2026

Navy Federal Credit Union Homebuyers Choice Loan

Grant

Assistance grant

First-timeNationwideVeterans
Verified Jun 2026

Navy Federal Credit Union Military Choice Loan

Grant

Assistance grant

NationwideVeterans
Verified Jun 2026

New American Funding Pathway to Homeownership

Grant

Assistance grant · Income limits

First-timeNationwide

North Fork Rancheria Indian Housing Authority Down Payment Assistance Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northern Circle Indian Housing Authority Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

Northpointe Bank ONE+ Loan Program

0.02% of price

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

PNC Bank Low to Moderate Income Borrower Grant

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

PNC Bank PNC Grant

Grant

Assistance grant · Income limits

NationwideTargeted area
Verified Jun 2026

Primary Residential Mortgage Down Payment Program

Deferred

Deferred second loan · Income limits

Nationwide
Verified Jun 2026

Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program

Forgivable

Forgivable loan · Forgiven over 3 yrs · Income limits

Nationwide
Verified Jun 2026

Rocket Mortgage ONE+ By Rocket Mortgage Program

0.02% of price

Assistance grant · Income limits

Nationwide
Verified Jun 2026

Siletz Tribal Housing Department Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

State Department Federal Credit Union First-Time Homebuyer Mortgage

Grant

Assistance grant

First-timeNationwide
Verified Jun 2026

Tricon Down Payment Assistance Program

Deferred

Deferred second loan · Income limits

Nationwide

Tyndall Federal Credit Union $1,000 Off Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

Tyndall Federal Credit Union $450 Closing Cost

Grant

Assistance grant

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door

0.5% of price

Assistance grant · Forgiven over 3 yrs · Income limits

NationwideEducators
Verified Jun 2026

U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

U.S. Department of Housing and Urban Development HCV Homeownership Program

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of the Interior Indian Affairs Down Payment Assistance

Grant

Assistance grant · Income limits

First-timeNationwide
Verified Jun 2026

U.S. Department of Veterans Affairs Native American Direct Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

U.S. Department of Veterans Affairs Specially Adapted Housing (SAH) Grant

Grant

Assistance grant · Income limits

NationwideVeterans

U.S. Department of Veterans Affairs VA-backed Purchase Loan

Grant

Assistance grant · Income limits

NationwideVeterans
Verified Jun 2026

USDA Rural Development Single Family Housing Guaranteed Loan Program

Grant

Assistance grant · Income limits

Nationwide
Verified Jun 2026

USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Rural Development (Vermont/New Hampshire State Office)

First mortgage

First mortgage · New construction · Income limits

Nationwide
Verified Jun 2026

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Questions, answered

The honest answers first

Do I need to share my SSN or get a credit check?
No. Exploring programs on Hey Prescott is free and anonymous — no Social Security number, no credit pull. You only share details when you choose to apply with a lender.
Is this free?
Yes. Browsing programs and getting matched is free. Hey Prescott is not a lender and never charges you to use it.
Are these all the programs?
We list active programs we've verified for Shorewood-Tower Hills-Harbert and Michigan, refreshed regularly. New programs are added as agencies publish them — check back as your search continues.
Can I use more than one?
Often, yes. Many buyers combine ("stack") a grant or forgivable second with a statewide or federal program. Stacking and eligibility rules are set by each administering agency.
How current is this?
We re-verify programs regularly; each program card shows the date it was last verified. Always confirm the latest terms on the official program site before you apply.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.