Michigan down payment assistance at a glance
The Michigan State Housing Development Authority (MSHDA) offers the MI Home Loan first mortgage and the MI 10K DPA down payment assistance loan through participating lenders.
Want the full Michigan breakdown? Our dedicated Michigan guide covers programs, local options, and current details: visit the Michigan DPA guide →
Statewide programs
MI 10K DPA Loan
A down payment assistance loan of up to $10,000, paired with an MSHDA first mortgage, repaid when you sell, refinance, or pay off the first mortgage.
MI Home Loan
MSHDA's first-mortgage program for eligible first-time buyers statewide and repeat buyers in targeted areas.
MI Home Loan Flex
A MSHDA first-mortgage option with its own qualifying rules.
Local programs
Detroit and other Michigan cities have offered additional assistance.
Program names, amounts, and eligibility change frequently and funding can pause. Always confirm current terms with a participating lender or the program administrator.
Local and city programs
Some Michigan cities and counties add their own assistance or homebuyer grants. Check with your lender for options at your address.
What Michigan buyers should know
- MSHDA programs have purchase price and income limits that vary by area.
- Homebuyer education is typically required.
Next step
Matthew Brown is licensed in Michigan and can check which statewide and local programs fit your income, credit, and the home you want to buy.