Michigan Down Payment Assistance Programs (2026, Verified)

Michigan down payment assistance programs

Quick answer

Michigan buyers can get down payment help from City of Detroit Housing and Revitalization Department; implemented by National Faith Homebuyers. We verified 3 statewide programs, including Detroit Down Payment Assistance (DPA) Program (Up to $25,000). Most programs require using the agency's first mortgage, meeting income limits and completing homebuyer education. Details below come from the official agency site.

What down payment assistance does Michigan offer?

Program	Amount	Type	Min. credit	First-time only?
Detroit Down Payment Assistance (DPA) Program	Up to $25,000	Forgivable loan	Not stated	Yes
MSHDA MI 10K DPA Loan	Up to $10,000	Deferred-payment loan	Not stated	See program
Oakland County Treasurer's Home Buyer Assistance Program	$5,000	Grant (no repayment)	Not stated	Yes

How do I apply for Michigan down payment assistance?

Find a participating lender approved by City of Detroit Housing and Revitalization Department; implemented by National Faith Homebuyers.
Get pre-approved for the agency's first mortgage and confirm you meet income and price limits.
Complete the required homebuyer education course.
Your lender reserves the assistance when you go under contract.

Cities in Michigan

Detroit Grand Rapids Warren Sterling Heights Ann Arbor Lansing Dearborn Livonia Troy Westland

Other states with verified programs

Alabama Arkansas California Colorado Connecticut Delaware District Of Columbia Florida Idaho Illinois

Frequently asked questions

Detroit Down Payment Assistance (DPA) Program: Up to $25,000; MSHDA MI 10K DPA Loan: Up to $10,000; Oakland County Treasurer's Home Buyer Assistance Program: $5,000.

Most verified programs here target first-time buyers or have eligibility exceptions; check each program's official page.

The agency sets credit requirements with its participating lenders; most require at least a 620–640 score.

Sources

Data last updated October 25, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.