First-Time Homebuyer Programs in Michigan

Michigan offers strong homebuyer assistance through the Michigan State Housing Development Authority (MSHDA). The flagship MI 10K DPA Loan provides up to $10,000 in zero-interest down payment assistance statewide, available as a second mortgage with no monthly payments. MSHDA helped over 6,000 Michiganders become homeowners in 2025 alone, providing more than $1 billion in mortgage and down payment assistance loans.

State housing agency: Michigan State Housing Development Authority (MSHDA)

Cities in Michigan