Michigan Down Payment and Homeownership Assistance

Every state has down payment or homeownership assistance programs; some states have both. The programs are designed to provide affordable housing opportunities to homebuyers who might not ordinarily be able to afford a house.

Each program can have their own income and eligibility requirements but primarily the programs are available for first-time homebuyers or low-income families.

Keep in mind if you had no ownership in a principal residence in the previous 3 years, you are also considered a first-time homebuyer even if you owned a home prior to that 3-year period.

The programs are not usually administered directly through the State. Instead, they are nonprofit based and handled through a third party agency. The list below will start you on your search but be sure to confirm the program is currently available.

(Source: HUD.gov)

Statewide and Regional Programs

Michigan State Housing Development Authority (MSHDA)
Michigan Down Payment Assistance
Habitat for Humanity in Michigan – access your local chapter and find out more about owning your own home

Programs by City/Town

City of Grand Rapids homebuyer assistance fund – open the door to a home of your own.
City of Jackson Affordable Housing Programs – Offering housing counseling, downpayment assistance and other programs for first time homebuyers

Southwest Housing Solutions
1920 25th St.
Detroit, MI 48216

City of Lincoln Park
1355 Southfield Rd.
Lincoln Park, MI 48146
(313) 386-1800

City of Midland
333 W. Ellsworth
Midland, MI 48641
(989) 837-3300

City of Warren
One City Square, Suite 215
Warren, MI 48093-6726
(586) 574-4687

City of Wyandotte
3131 Biddle Avenue
Wyandotte, MI 48192
(734) 324-4500

Core City Neighborhoods, Inc.
3301 Twenty-Third
Detroit, MI 48208
(313) 894-8431

Grandmont/Rosedale Development Corp.
19800 Grand River
Detroit, MI 48223
(313) 387-4732

Mission of Peace Counseling Center
877 E. Fifth Ave.
Flint, MI 48503
(810) 232-0104

Metro Housing Partnership 
503 S. Saginaw St., Suite 510
Flint, MI 48502
(810) 767-4622

Motor City Blight Busters, Inc.
18220 Lahser Road
Detroit, MI 48219
(313) 255-4355

New Hope Community Development
19487 Evergreen
Detroit, MI 48219
(313) 255-6275

People’s Community Hope for Homes
29745 Annapolis Road
Westland, MI 48186
(734) 722-1280

St. Ignatius Non-Profit Housing, Corp.
5555 Conner Ave., Suite #3239
Detroit, MI 48213
(313) 371-2053

U-SNAP BAC Non-Profit Housing Corp.
14901 E Warren
Detroit, MI 48224
(313) 640-1100