Michigan Homebuyer Assistance
Find Out Which Grants You Qualify For
Michigan offers thousands of dollars in down payment assistance and grants for homebuyers. Answer a few questions and we'll show you which programs match your situation, instantly, for free.
How it works
Three Steps to Your Results
Answer a Few Questions
Tell us where you're buying, your income, household size, and a few qualifying details. Takes about 2 minutes.
See Your Matches
We check your profile against 20+ state, county, federal, and bank programs and show you which ones you likely qualify for.
Connect With a Lender
Want to move forward? We'll connect you with an MSHDA-approved lender who specializes in DPA, at no cost to you.
Programs we check
Michigan Down Payment Assistance Programs
Government grants, bank-specific programs, and credit union offers. Eligibility depends on your income, location, and buyer status.
Program list last updated July 1, 2026. Reviewed monthly against official program sources.
Government & County Programs
Bank & Credit Union Programs
Common questions
Grant & DPA FAQs
What is down payment assistance?
Down payment assistance (DPA) programs provide grants or forgivable loans to help homebuyers cover their down payment and closing costs. In Michigan, these programs are offered by the state (MSHDA), counties, cities, and federal agencies. Many are specifically designed for first-time buyers.
Do I have to be a first-time homebuyer?
Not always. While many programs target first-time buyers, some, like MSHDA's standard DPA, VA loans, and HomeReady, are available to repeat buyers as well. Our tool checks both first-time and non-first-time programs based on your answers.
What counts as a first-time homebuyer in Michigan?
In most programs, a first-time buyer is someone who has not owned a home in the past three years. If you owned a home previously but it's been more than three years, you typically qualify as a first-time buyer again.
Do I have to pay these grants back?
It depends on the program. True grants (like Oakland County's DPA) don't need to be repaid. Forgivable loans (like MSHDA DPA) are forgiven after you stay in the home for a set period. Some programs are structured as low-interest second mortgages. Our results page tells you which type each program is.
Can I combine multiple programs?
In many cases, yes. For example, you can often layer a county-level DPA grant on top of an MSHDA first mortgage. A lender who specializes in DPA programs can help you stack the maximum benefit.
How accurate is this tool?
This tool provides a preliminary screening based on publicly available program requirements. It's a strong starting point, but final eligibility is always determined by the program administrator and your lender. Income limits, purchase price caps, and program funding can change.
What is MSHDA?
MSHDA stands for Michigan State Housing Development Authority. It's the state agency that administers Michigan's primary homebuyer programs, including MI Home Loan first mortgages and DPA programs. MSHDA programs are available statewide through approved lenders.
Does The Patrick Group charge for this tool?
No. This tool is completely free and there's no obligation. If you'd like help connecting with a lender who specializes in DPA programs, we're happy to make that introduction at no cost.
Ready to get started?
Have Questions About Grants or DPA Programs?
Call or text Brad Patrick directly. He'll walk you through your options and connect you with a lender who can help, no cost, no pressure.
The Patrick Group | Oak & Stone Real Estate. This tool provides preliminary screening only. Actual program eligibility is determined by the administering agency and your lender. Program terms and funding availability may change without notice.