Are you a first-time homebuyer in Michigan? This guide is your go-to resource for valuable information and assistance programs tailored specifically for residents of the Great Lakes State. Explore specialized programs, including down payment assistance and favorable mortgage options, designed to make homeownership more accessible. Navigate the Michigan real estate market with confidence and uncover the opportunities that await you.
State-Wide Programs
| Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|
| MI Home Loan | Up to $7,500 in down payment assistance | First time homebuyers who meet income and credit score requirements | Deferred loan with a 0% interest rate |
| MI Home Loan Flex | Up to $7,500 in down payment assistance | Any homebuyer that can meet income and credit score requirements | Second mortgage |
| Mortgage Credit Certificate Program | Reduces up to 20% in mortgage interest that you pay into federal taxes for the life of your loan | First time homebuyers who meet income requirements | Tax credit |
Regional Programs
| County/Region | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Alger | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Alger | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Antrim | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Antrim | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Benzie | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Benzie | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Charlevoix | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Charlevoix | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Chippewa | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Chippewa | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Delta | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Delta | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Emmet | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Grand Traverse | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Grand Traverse | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Genessee | Neighborhood Stabilization Program | Up to $5,000 in down payment assistance | First time homebuyers who meet income requirements and buying within targeted neighborhoods | Not specified |
| Jackson | Step Forward Down Payement Assistance | Up to $15,000 in down payment assistance | Any homebuyer that can meet income and credit score requirements | Forgivable loan with a 0% interest rate |
| Kalkaska | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Kent | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Lake | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Leelanau | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Leelanau | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Luce | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Luce | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Mackinac | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Mackinac | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Manistee | Grand Traverse Band Housing Department: Down Payment Assistance | Up to $5,000 in down payment assistance | Homebuyers that are members of the Grand Traverse Band of Ottawaand Chippewa Indians and that can meet income requirements | Grant |
| Manistee | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Marquette | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Marquette | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Mason | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Missaukee | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Muskegon | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Newaygo | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Oceana | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Ottawa | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
| Roscommon | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Schoolcraft | Down Payment Assistance Program | Up to $9,500 in down payment assistance | First time homebuyers who belong to the Sualt Tribe | Forgivable, deferred loan with a 0% interest rate |
| Schoolcraft | Individual Development Account | Up to $1600 in matching funds | First time homebuyers who belong to the Sualt Tribe | Savings match fund 2:1 |
| Wayne | First Time Homebuyers Program | Up to $7,500 in down payment assistance | First time homebuyers who meet income and savings requirements | Deferred loan with a 0% interest rate |
| Wexford | Down Payment Assistance | Up to $3,000 in down payment assistance | First time homebuyers who meet income requirements | Deferred loan with a 0% interest rate |
| Wexford | Homeownership Initiative Program | Up to $12,000 in down payment assistance | Homebuyers that are members of the Little River Band of Ottowa Indians | Not specified |
City Programs
| City | Program | Assistance Offered | Who Should Apply | Assistance Type |
|---|---|---|---|---|
| Detroit | Newberry Affordable Homeownership Program | Up to $20,000 in down payment assistance | First time homebuyers that can meet income requirements and buying in Chadsey-Condon neighborhood of SW Detroit | Grant |
| Grand Haven | Homebuyer Purchase & Repair Program | Up to $10k in down payment assistance and up to $20,000 in home repair and remediation | Not specified | Not specified |
| Grand Rapids | Homebuyer Assistance Fund | Up to $7,500 in down payment assistance | First time homebuyer that can meet income and savings requirements | Not specified |
| Kalamazoo | Financial Assistance | Down payment assistance - amount not specified | Not specified | Not specified |
| Lansing | Down Payment Assistance | Up to $30,000 in down payment assistance | First time homebuyer that can meet income requirements | Forgivable, deferred loan with a 0% interest rate |
| Westland | Homebuyer Assistance Program | Up to $10,000 in down payment assistance | First time homebuyer that can meet income requirements | Second mortgage partial forgiven |
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