Oakland County Treasurer's Independent Bank Home Buyer Assistance Program
Assistance grant · Income limits
Down payment assistance · Oakland County
Buying a home in Waterford, MI
2 county programs and 9 statewide.Waterford has no program of its own, 2 across Oakland County, and 9 statewide. Here is what each one offers, and who near you can walk you through it.
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What’s local to Waterford
No program of Waterford’s own yet
No program run for Waterford alone is listed. A home in Waterford can use Oakland County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Pontiac, about 7 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OaklandAnywhere in Oakland County
2 county programs2 county programs a Waterford homebuyer can use
1 more program is for homes in Pontiac. See them 1 program in neighboring cities — for homes inside those cities, not Waterford
- Pontiac — City of Pontiac Down Payment Assistance Program
Income limits in Oakland County
How programs here set their income limits
$104,800
County area median income, 4 people (HUD)HUD area median income, Oakland County, 4-person household (2026)
14 of the 73 programs here set their income limit as a share of Oakland County’s area median income, adjusted for household size. See the published limits for Oakland County
Free help nearbyFree help near Waterford
5 HUD-approved counseling agencies within 15 miles5 HUD-approved housing counseling agencies within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 local programs here ask 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
Waterford questions
Does Waterford have its own down payment program?
No program run for Waterford alone is listed. A home in Waterford can use the 2 programs that cover Oakland County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Waterford?
None of Waterford’s 2 local and county programs list condos as eligible. Oakland County Treasurer's Independent Bank Home Buyer Assistance Program lists single family. Habitat for Humanity of Oakland County 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 Oakland County?
Each program sets its own. 14 of the programs here set theirs as a share of HUD’s area median income for Oakland 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 Waterford?
HUD-approved housing counseling agencies teach homebuyer classes, and 5 agencies are within 15 miles of Waterford. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48327 · 48328 · 48329
Nearby in Oakland
Sources
Sources: agency sites (June–September 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.