The Michigan State Housing Development Authority Provides First Time Home Buyer Resources

Michigan First Time Home Buyer Grants

Are you thinking of buying your first home in Michigan? Would you like a free gift of money to help you purchase that first home? The state of Michigan provides free grant money for its residents who are buying home first time and need help with the down payment and closing costs, and buyers can get up to $7,500 in grant money to help with the down payment. Also, there is still Federal Grant money available as well as grants from private foundations. This is free money that shouldn’t be passed up! The grant awards can be in the thousands of dollars. It will be well worth your time to educate yourself about the grant programs that are available to Michigan residents.

Up to $7,500 may be available from the Michigan State Housing Development Authority (MSHDA) to help you make your down payment. This program is for to low- to moderate-income homebuyers, depending on the home location and your family size. The program includes a homebuyer education class that will give you good information as you take the step toward homeownership. To get complete information on this very helpful resource, just go to this website.

Maximum help is $7,500
Available with MSHDA’s FHA or Rural Development first mortgages
Funds may be used for down payment, closing costs, prepaid/escrow expenses and a home inspection performed by a qualified home inspector
Zero-interest, non-amortizing loan with no monthly payments
The loan is due upon sale or transfer of the property or if the first mortgage is refinanced or paid in full

The contact information to reach the Michigan State Housing Development Authority is:

735 E. Michigan Ave
P.O. Box 30044
Lansing, Michigan 48909
Telephone: (517) 373-8370
Fax:  (517) 335-4797
TTY#: 1-800-382-4568

Federal Grants

Besides the state programs, there are federal funds and grants available to the home buyers in Michigan through the Homes and Communities program of the United States Department of Housing and Urban Development. On their website you’ll find complete grant information, application forms, description of available program funds, as well as many other helpful tools.

Every potential buyer should investigate what they have to offer. You can visit the website by going here: US Dept. of Housing and Urban Development. Also,  there is a website that has a complete list of all grant programs available through the United States Federal Government: You should plan to spend the required time investigating to determine how many individual grants they may qualify for. You can visit the website by going to and search for more information.

Other Grants in Michigan

In addition to the grant programs described above, the U.S. Department of Housing and Urban Development provides home buyer assistance and grants in every state. There are multiple grant programs designed specifically for people that meet certain requirements, such as grants for people with disabilities so they can continue to live independently at home. It is worth visiting HUD’s website to see what assistance is currently available. For your convenience, simply go to this website.

Here is the contact information for the HUD office in Michigan:

Detroit Field Office
McNamara Federal Building
477 Michigan Avenue
Detroit, MI 48226-2592
Phone: (313) 226-7900
Fax: (313) 226-5611

There are also these local programs:

Berrien County Greater Niles Community Development Corporation Acquisition/Development/Resale Program (ADR) (517) 241-4474
Dickinson and Iron Counties Dickinson Iron Community services Agency/U.P. Community Services, Inc.(DICSA/UPCSI) Home Purchase Program (DPAP) (906) 774-2256
Jackson County Jackson Affordable Housing Corporation Down payment Assistance Program (DAP) (517) 788-4626
Lansing Down Payment Assistance (DPA) Program (517) 372-5980
Lansing Home Ownership Program for Employees (LHOPE) (517) 483-4593
Multi Counties Little Travese Bay Band of Odawa Indians Down Payment/Closing Cost Assistance Program (LTBB) (231) 242-1546
Schoolcraft County Homebuyer Assistance Program (HAP) (906) 341-5126
Wayne County First Time Home Buyers Program (FTHB) (313) 224-5011

About Jennifer Cribsly

I'm a former real estate broker who specialized in helping first time buyers be able to purchase a home. Now full time mom, part time real estate owner/investor.
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