Michigan • First-Time Homeowner programs

First-Time Homeowner grants in Michigan

Browse first-time homeowner grants available in Michigan, including statewide and local programs.

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5 active programs in Michigan

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Latest opportunities (5)

Down Payment Assistance Program – City of Lansing

Temporarily Paused

City of Lansing – Community Development OfficeMIFirst-Time HomeownerHOME funded city down payment assistance program that historically offered up to 10000 dollars as a zero percent interest second mortgage for eligible first time buyers in Lansing, currently suspended for 2025 due to reduced federal funding.

Updated: Dec 6, 2025

City of Lansing HOME-funded DPA program (currently paused) that historically provided up to $10,000 as a 0% second mortgage to help first-time buyers with down payment and closing costs.

Eligible for: First-time homebuyers (no homeownership in past 3 years) purchasing a single-family home within Lansing city limits; household income at or …

Funding: When active, the program provides up to 10000 dollars in down payment and closing cost assistance as a 0 percent interest second mortgage for qualifying low and moderate income first time buyers in Lansing; however, new assistance is currently suspended for 2025 because of reduced federal funding.Deadline: Program currently suspended for 2025 due to reduced federal funding; historically offered on a rolling, first-come, first-served basis while HOME and program income funds were available.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerLansing residentdown payment assistanceclosing cost assistance0% interestsecond mortgagecity program

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MI 10K DPA Loan

Open

Michigan State Housing Development AuthorityMIFirst-Time HomeownerStatewide zero percent interest, non amortizing second mortgage of up to 10000 dollars that is layered on top of an MI Home Loan first mortgage and can be used toward down payment, closing costs and prepaid items for eligible buyers.

Updated: Dec 6, 2025

Statewide 0% second-mortgage assistance that adds up to $10,000 in flexible funds on top of an MI Home Loan to cover down payment and closing costs.

Eligible for: Homebuyers using an MI Home Loan who meet MSHDA income and purchase price limits and credit guidelines; must obtain financing through an MSH…

Funding: Provides up to 10000 dollars in down payment, closing cost and prepaid expense assistance as a 0 percent interest second mortgage with no monthly payment, typically due only when the home is sold, refinanced or the first mortgage is paid off.Deadline: Rolling; available statewide while program funding remains, and only when combined with an MI Home Loan first mortgage.RollingStatewidehomebuyerfirst-time homebuyerlow-income homebuyerMichigan residentdown payment assistanceclosing cost assistance0% interestdeferred loansecond mortgage

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MI Home Loan

Open

Michigan State Housing Development AuthorityMIFirst-Time HomeownerFlagship Michigan State Housing Development Authority first mortgage program that offers 30 year fixed rate FHA, VA, USDA RD or conventional loans through approved lenders and can be paired with MSHDA down payment assistance such as the MI 10K DPA Loan for eligible buyers.

Updated: Dec 6, 2025

Statewide fixed-rate mortgage product for Michigan first-time and targeted-area buyers, with optional down payment assistance to reduce upfront costs.

Eligible for: First-time homebuyers statewide and repeat buyers in federally targeted areas; must meet MSHDA income and purchase price limits, minimum cre…

Funding: Provides an affordable 30 year fixed rate mortgage foundation that can be combined with up to 10000 dollars in MI 10K DPA assistance and other MSHDA or local programs to reduce upfront costs, but the mortgage itself does not have a single flat grant amount.Deadline: Rolling; available year-round through participating lenders, subject to MSHDA funding.RollingStatewidehomebuyerfirst-time homebuyerrepeat homebuyerlow-income homebuyerMichigan residentaffordable mortgagefixed-rate mortgagedown payment assistance eligiblestate HFA loan

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First-Generation Down Payment Assistance Program

Open

Michigan State Housing Development AuthorityMIFirst-Time HomeownerState administered deferred payment loan of up to 25000 dollars funded with a limited statewide allocation that covers down payment, closing costs and prepaid expenses for qualifying first generation homebuyers and is typically layered with an MI Home Loan first mortgage.

Updated: Dec 6, 2025

Pilot statewide program offering up to $25,000 in assistance to first-generation Michigan homebuyers to overcome generational wealth and savings gaps.

Eligible for: First-generation homebuyers in Michigan whose parents or legal guardians have never owned a home; must meet MSHDA income and purchase price …

Funding: Offers up to 25000 dollars per eligible household as a deferred payment loan with no monthly payments that can be used for down payment, closing costs and prepaid items, repayable under program terms when the home is sold, refinanced or otherwise ceases to be the buyer's primary residence.Deadline: Limited-time pilot; rolling statewide while the $8 million in program funding remains available.RollingStatewidehomebuyerfirst-time homebuyerfirst-generation homebuyerlow-income homebuyerMichigan residentdown payment assistanceclosing cost assistancedeferred loanfirst-generation buyersequity-focused

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Homebuyer Assistance Fund (HAF) – City of Grand Rapids

Open

City of Grand RapidsMIFirst-Time HomeownerCity of Grand Rapids administered zero percent interest deferred loan of up to 7500 dollars that can be used for down payment, closing costs and prepaid expenses and is typically forgiven after a minimum owner occupancy period for income eligible buyers.

Updated: Dec 6, 2025

City of Grand Rapids HAF program providing up to $7,500 in zero-interest, forgivable assistance to help income-eligible buyers with down payment and closing costs.

Eligible for: Low- to moderate-income homebuyers purchasing a primary residence within Grand Rapids city limits; must complete a homebuyer education cours…

Funding: Provides up to 7500 dollars as a zero percent interest deferred loan that can be applied to down payment, closing costs and prepaid items and is generally forgiven after about five years of continuous owner occupancy, effectively turning the assistance into a grant for long term residents.Deadline: Rolling; first-come, first-served while HAF funds remain available.RollingLocalhomebuyerfirst-time homebuyerlow-income homebuyerGrand Rapids residentdown payment assistanceclosing cost assistance0% interestforgivable loancity program

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