Northwest Michigan Habitat for Humanity
Up to $0 toward a down payment in MI.
Northwest Michigan Habitat for Humanity's Home Ready program partners with lenders to create affordable mortgage products for buyers in Emmet and Charlevoix counties, eliminating barriers such as high interest rates, down payments, and closing costs and ensuring homeowners pay no more than 30% of income toward housing. Buyers own both the home and land, complete homebuyer education, and pledge 200 hours of sweat equity within two years of purchase.
Short reads on how it works, in plain language. Free, no sign-up needed to read.
Free course from Hey Prescott
A short, free course on Northwest Michigan Habitat for Humanity Home Ready Program: what it is, who it is for, what the program sets and what your lender sets, where it applies and how to apply. Based on program data from August 2026. About ten minutes.
5 modules · About 10 minutes
Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.