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Get Matched Free →Homebuyer Programs in Lansing, MI (2026)
Lansing is the capital city of Michigan, located in Ingham County, and offers some of the most generous homebuyer assistance in the state with a median home price of around $145,000. The City of Lansing Down Payment Assistance Program provides up to $14,999 as a forgivable loan through the Capital Area Housing Partnership. Ingham County offers an additional program with up to $30,000 in zero-interest, forgivable down payment assistance for homes purchased anywhere in the county. At the state level, the MSHDA MI 10K DPA Loan adds up to $10,000 in zero-interest assistance, and the HomeBoost Down Payment Assistance grant offers up to $15,000. By stacking city, county, and state programs, Lansing buyers could potentially access over $55,000 in combined assistance, making homeownership remarkably affordable in the capital city.
City Programs in Lansing
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Lansing Down Payment Assistance Program | Forgivable Loan | Up to $14,999 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $14,999
- First-time only:
- Yes
County Programs in Ingham County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Ingham County Down Payment Assistance Program | Forgivable Loan | Up to $30,000 | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $30,000
- First-time only:
- No
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 |
|---|---|---|---|---|
| Capital Area Housing Partnership Homebuyer Programs | Grant | Homebuyer education, financial counseling, and down payment assistance coordination | No | View → |
| Habitat for Humanity Capital Region Homeownership Program | Forgivable Loan | Below-market-price homes with affordable mortgage terms | No | View → |
- Type:
- Grant
- Amount:
- Homebuyer education, financial counseling, and down payment assistance coordination
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Below-market-price homes with affordable mortgage terms
- First-time only:
- No
How to Apply
Check your eligibility. Review income requirements for the Ingham County DPA (single-person household under $56,480 for maximum assistance) and MSHDA programs. Confirm you meet first-time buyer requirements if applicable.
Complete homebuyer education. Enroll in a HUD-approved homebuyer education course. Contact Capital Area Housing Partnership at 517-332-4663 or visit their office at 600 W Maple St, Suite D, Lansing, MI 48906 for local course options.
Get pre-approved for a mortgage. Work with a MSHDA-approved lender to get pre-approved for an MI Home Loan, which qualifies you for state DPA programs. You must be pre-approved before applying for the Ingham County DPA.
Contact Capital Area Housing Partnership. CAHP administers both the City of Lansing DPA and the Ingham County DPA. Reach them at 517-332-4663 or dpa@capitalareahousing.org to discuss which programs you qualify for and begin your application.
Find a home within program guidelines. For the City of Lansing DPA, the home must be within Lansing city limits and pass a DPA inspection. For the Ingham County DPA, the home can be anywhere in Ingham County.
Submit your applications. Complete applications for the City of Lansing DPA can be submitted to leighanna@capitalareahousing.org. Ingham County DPA applications go to dpa@capitalareahousing.org. Contribute at least 1% of the listing price and a minimum $1,000 personal investment for the city program.
Close on your home. Work with your lender and CAHP to coordinate closing. The city DPA and county DPA are both structured as forgivable loans with no monthly payments, forgiven after 7 years of owner-occupancy.