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
(313)841-3727

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