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Get Matched Free →Homebuyer Programs in Kalamazoo, MI (2026)
Kalamazoo is a vibrant college city in southwest Michigan anchored by Western Michigan University and a growing healthcare sector, with a population of about 80,000 and a median home price around $220,000. Homebuyers here benefit from strong local programs on top of state assistance. The Kalamazoo County Treasurer Homebuyer Assistance Program provides up to $5,000 in down payment assistance plus up to $2,000 toward closing costs, and the KNHS Down Payment Assistance Program offers grants typically ranging from $5,000 to $7,500 for income-qualified buyers. At the state level, the MSHDA MI 10K DPA Loan adds up to $10,000 and the HomeBoost program offers grants up to $15,000. By stacking these programs, eligible Kalamazoo buyers could receive $25,000 or more in combined assistance.
County Programs in Kalamazoo County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Kalamazoo County Treasurer Homebuyer Assistance Program | Grant | Up to $5,000 from Treasurer plus up to $2,000 from Independent Bank for closing costs | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $5,000 from Treasurer plus up to $2,000 from Independent Bank for closing costs
- First-time only:
- Yes
State Programs in Michigan
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HomeBoost Down Payment Assistance | Grant | Up to $15,000 (up to $25,000 through some participating lenders) | Yes | View → |
| MSHDA First-Generation Down Payment Assistance | Deferred Loan | Up to $25,000 | Yes | View → |
| MSHDA MI 10K DPA Loan | Zero-Interest Loan | Up to $10,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $15,000 (up to $25,000 through some participating lenders)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $25,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Kalamazoo Valley Habitat for Humanity Homeownership Program | Forgivable Loan | Below-market-price homes with affordable mortgage terms | No | View → |
| KNHS Down Payment Assistance Program | Grant | Up to $5,000 to $15,000 depending on income and funding availability | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Below-market-price homes with affordable mortgage terms
- First-time only:
- No
- Type:
- Grant
- Amount:
- Up to $5,000 to $15,000 depending on income and funding availability
- First-time only:
- No
How to Apply
Check your eligibility. Most local programs require household income at or below 80% of the Area Median Income for Kalamazoo County. The Kalamazoo County Treasurer program requires first-time buyer status and at least $1,000 in personal funds. MSHDA programs have statewide income and purchase price limits.
Complete homebuyer education. Kalamazoo Neighborhood Housing Services (KNHS) offers a comprehensive 8-hour Home Buyer Education Program monthly at 1219 S. Park St., Kalamazoo. This satisfies requirements for both local and MSHDA programs. Contact KNHS at 269-385-2916 or frontdesk@knhs.org to register.
Apply for the KNHS Down Payment Assistance Program. After completing their education course, KNHS can help determine your eligibility for grants of $5,000 to $15,000 depending on income and available funding. KNHS is the only HUD-certified housing counseling agency in southwest Michigan.
Contact Independent Bank about the Kalamazoo County Treasurer Homebuyer Assistance Program for up to $5,000 in down payment assistance plus $2,000 for closing costs. Call (269) 491-3049 to speak with a loan officer.
Apply for MSHDA down payment assistance. Contact an MSHDA-approved lender to apply for the MI 10K DPA Loan (up to $10,000) or the HomeBoost grant (up to $15,000). Kalamazoo is listed as a targeted area, meaning repeat buyers may also qualify for certain MSHDA programs.
Get pre-approved for a mortgage and find a home within program limits. The MSHDA statewide purchase price limit is $544,233. The median home price in Kalamazoo is around $220,000, well within range.
Submit your applications and close. Your lender will coordinate the DPA funds with your mortgage. Plan for the process to take several weeks once your offer is accepted.