Eligibility notes
Must use an Independent Bank mortgage, contribute $1,000 and complete pre-purchase counseling; first-come first-served. Applies to all Oakland County cities incl. Royal Oak, Pontiac, Southfield, Troy, Farmington Hills, Ferndale. Jan 16, 2026 release: $270,000 awarded to 54 buyers.
Where does Oakland County Treasurer's Home Buyer Assistance Program apply?
This county-level program is available to buyers in Oakland County. Cities on our site where it applies:
- Down payment assistance in Troy
- Down payment assistance in Farmington Hills
- Down payment assistance in Rochester Hills
- Down payment assistance in Southfield
- Down payment assistance in Novi
- Down payment assistance in Pontiac
- Down payment assistance in Royal Oak
- Down payment assistance in Oak Park
- Down payment assistance in Madison Heights
- Down payment assistance in Auburn Hills
- Down payment assistance in Birmingham
- Down payment assistance in Ferndale
- Down payment assistance in Wixom
- Down payment assistance in Berkley
- Down payment assistance in Hazel Park
- Down payment assistance in Rochester
- Down payment assistance in South Lyon
- Down payment assistance in Farmington
- Down payment assistance in Clawson
- Down payment assistance in Beverly Hills
| Detail | Program terms |
|---|---|
| Assistance | $5,000 |
| Type | Grant (no repayment) |
| Minimum credit | Not published on the program page |
| First-time buyer | Required |
| Income limits | At or below 120% AMI ($127,320 for 2026) |
How does Oakland County Treasurer's Home Buyer Assistance Program work with an FHA loan?
Michigan's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.
Where do I confirm current terms?
On the official page: https://www.oaklandcountymi.gov/government/oakland-county-treasurer-s-office/financial-empowerment-center/homebuyer-assistance-program. Programs can pause when funds run out, so confirm availability with a participating lender.
Frequently asked questions
Sources
- Oakland County Treasurer's Office with Independent Bank — Oakland County Treasurer's Home Buyer Assistance Program (official page, verified October 25, 2026)
- HUD — 2026 FHA limits
Data last updated October 25, 2026.
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