Lakeshore Habitat for Humanity Homeownership Program
Forgivable loan · New construction · Income limits
Down payment assistance · Ottawa County
Buying a home in Zeeland, MI
1 county program and 9 statewide.Zeeland has no program of its own, 1 across Ottawa 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 Zeeland
No program of Zeeland’s own yet
No program run for Zeeland alone is listed. A home in Zeeland can use Ottawa County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Holland, about 5 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in OttawaAnywhere in Ottawa County
1 county program1 county program a Zeeland homebuyer can use
1 more program is for homes in Holland. See them 1 program in neighboring cities — for homes inside those cities, not Zeeland
- Holland — City of Holland Homebuyer Assistance (Down Payment/Closing Cost Assistance)
The Zeeland marketThe Zeeland housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Zeeland
- 50% single-familysingle-family
- 8.8% townhousetownhouse
- 26.5% 2–4 units2–4 units
- 14% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
About condos. Zeeland’s one local program does not list condos as eligible. Lakeshore Habitat for Humanity Homeownership Program lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Zeeland’s homes were built
pre-19401970s2020+
71.5%
of Zeeland 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.
$113,700
County area median income, 4 people (HUD)HUD area median income, Ottawa County, 4-person household (2026)
$52,628
Zeeland median household incomeMedian household income in Zeeland (Census, 2024)
12 of the 72 programs here set their income limit as a share of Ottawa County’s area median income, adjusted for household size. See the published limits for Ottawa County
Free help nearbyFree help near Zeeland
2 HUD-approved counseling agencies within 15 miles2 HUD-approved housing counseling agencies within 15 miles
Zeeland’s program asks for a homebuyer class first. Create a free account to see who’s near you and pick one.Lakeshore 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
Zeeland questions
Does Zeeland have its own down payment program?
No program run for Zeeland alone is listed. A home in Zeeland can use the 1 program that cover Ottawa County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Zeeland?
Zeeland’s one local program does not list condos as eligible. Lakeshore 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 Ottawa County?
Each program sets its own. 12 of the programs here set theirs as a share of HUD’s area median income for Ottawa 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 Zeeland?
HUD-approved housing counseling agencies teach homebuyer classes, and 2 agencies are within 15 miles of Zeeland. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
49464
Nearby in Ottawa
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.