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Get Matched Free →Homebuyer Programs in Meridian Township, MI (2026)
Meridian Township is a growing community in Ingham County, Michigan, part of the greater Lansing metro area, with a population of nearly 44,000 and a median home price around $330,000. While the township does not offer its own city-funded down payment assistance, buyers here benefit from the strong Ingham County Down Payment Assistance Program, which provides up to $30,000 as a forgivable loan. At the state level, MSHDA's HomeBoost program offers up to $15,000 as a grant and the MI 10K DPA Loan provides up to $10,000 as a zero-interest loan. Capital Area Housing Partnership and Habitat for Humanity Capital Region also serve Meridian Township buyers with additional homebuyer resources. By combining county and state programs, eligible buyers could access over $40,000 in total assistance toward their home purchase.
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 → |
| LMCU HomeAssist Down Payment Assistance | Zero-Interest Loan | Up to $10,000 (up to $15,000 in targeted areas) | Yes | 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
- Type:
- Zero-Interest Loan
- Amount:
- Up to $10,000 (up to $15,000 in targeted areas)
- First-time only:
- Yes
How to Apply
Check your eligibility. The Ingham County DPA program requires household income at or below 80% of the Area Median Income (up to $80,650 for a four-person household), liquid assets under $30,000, and a minimum $1,000 personal contribution toward the purchase.
Complete homebuyer education. All applicants must complete a HUD-approved homebuyer education course. Capital Area Housing Partnership at (517) 332-4663 offers courses locally and administers several assistance programs in the area.
Contact a local housing partner. Reach out to Capital Area Housing Partnership at (517) 332-4663 or housing@capitalareahousing.org for guidance on available programs and next steps. Habitat for Humanity Capital Region also serves Ingham County buyers.
Get pre-approved for a mortgage. Find an MSHDA-approved lender or contact a participating lender for the Ingham County DPA program. Lake Michigan Credit Union also offers the HomeAssist program with up to $10,000 in assistance.
Find a home within program limits. The MSHDA MI Home Loan has a purchase price limit of $544,233. Ensure the property is within Ingham County for the county DPA program. You must have a signed purchase agreement to apply for county DPA funds.
Submit your application. Your lender will assist you in applying for the Ingham County DPA funds during the mortgage process. The loan is forgiven after 7 years of owner-occupancy.