Michigan first-time home buyer programs
Michigan State Housing Development Authority (MSHDA) lists 1 program that help buyers in Michigan with the down payment or closing costs. Amounts and terms are shown as the agency publishes them.
- Programs from the agency
- 1
- Biggest amount listed
- $10,000
- First-time buyers only
- Every program
- Income caps
- Set per program
Down payment assistance programs in Michigan
| Program | Amount | Grant or loan | Income limit | First-time buyers only |
|---|---|---|---|---|
| MI 10K Down Payment Assistance (DPA) Program. With a MSHDA MI Home Loan; homebuyer course. | Up to $10,000 | Deferred loan: 0% loan. You repay it when you sell, refinance, pay off your main home loan or stop living in the home. | For buyers with low and moderate incomes. | Yes, but repeat buyers qualify in targeted areas |
Usually, "first-time buyers only" means you haven't owned a home during the past three years, though every program sets a rule of its own. The name of each program links to a Michigan State Housing Development Authority page that says whether applications are open right now. Compare down payment assistance programs across all states, or ask a lender that works with Michigan's programs.
How do you repay Michigan's programs?
- Deferred loan: nothing to pay each month, but the full amount comes due when you sell, refinance or pay the first mortgage off.
How does your income compare with Michigan's caps?
Every program has its own income cap, which the table shows, and the exact chart is on that program's agency page. Use the HUD income limits lookup (FY2026) to find the figure for your county and household size. If a program relies on its own county chart or Freddie Mac's, the result can differ from HUD's number, and the agency's chart decides.
| HUD area | Median family income | HUD low-income limit |
|---|---|---|
| Detroit-Warren-Livonia | $104,800 | $83,850 |
| Lansing-East Lansing | $102,600 | $82,100 |
| Ann Arbor | $142,300 | $106,800 |
| Livingston County | $129,000 | $103,200 |
| Leelanau County | $122,100 | $97,700 |
HUD uses about 80% of the median as a starting point. Its own caps can hold that number down, including a yearly cap on increases, so the low-income limit is under 80% in a few areas.
Talk to a lender that works with Michigan programs
These programs are paid out through the agency's approved lenders, so the lender is your next step. Tell us where you're buying and a lender that works with Michigan's programs can explain which ones fit you.
Rather not call? Send your details and the lender will reach you.
Are you buying near a state border?
Indiana, Ohio, Wisconsin or programs for all 50 states plus DC.