A smaller down payment may be closer than you think.
Programs change often. We will point you toward local lenders who know the current rules and can tell you what you qualify for.
Down payment assistance programs help qualifying buyers cover part of the cash needed to buy a home. Help may come as a grant, a forgivable loan, or a second loan that is repaid over time or when you sell. Rules differ by program, so it is important to read the terms.
The Michigan State Housing Development Authority, known as MSHDA, offers home loan and down payment programs for qualifying buyers through participating lenders. Some local governments and nonprofits offer help too. Availability, income limits, and purchase price limits change, so check current details with a participating lender.
Talk with a lender who regularly works with these programs before you make an offer. Ask how the assistance is repaid, whether homebuyer education is required, and how the program affects your timeline. We will write your offer so the timing works.