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Get Matched Free →Homebuyer Programs in Midland, MI (2026)
Midland is a city in Midland County, Michigan, with a population of about 42,600 and a median home price around $215,000. While the city does not currently offer a dedicated city-funded down payment assistance program, buyers benefit from strong state and nonprofit options. MSHDA's HomeBoost program provides up to $15,000 as a grant, and the MI 10K DPA Loan offers up to $10,000 as a zero-interest loan. Midland County Habitat for Humanity also serves local families with affordable homeownership opportunities. The Mid-Michigan Community Action Agency provides housing counseling and additional support for buyers in Midland County. By combining state programs, eligible buyers could access up to $25,000 in assistance.
City Programs in Midland
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Midland Homebuyer Assistance Program (HAP) | Forgivable Loan | Up to $15,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000
- 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 |
|---|---|---|---|---|
| Midland Habitat for Humanity Homeownership Program | Zero-Interest Loan | Affordable home with zero-interest mortgage | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home with zero-interest mortgage
- First-time only:
- No
How to Apply
Check your eligibility. MSHDA programs require household income within published limits that vary by family size and county. A minimum credit score of 640 is typically required.
Complete homebuyer education. Northeast Michigan Community Service Agency (NEMCSA) offers a homebuyer education program for a $99 fee. Contact them at (989) 358-4653 or housingcounseling@nemcsa.org to register.
Contact a local housing partner. Reach out to Mid-Michigan Community Action Agency at their Midland office at 1717 Ridgewood Drive, (989) 832-7310, for pre-purchase counseling and program guidance.
Get pre-approved for a mortgage. Find an MSHDA-approved lender at the MSHDA website. Health Advantage Credit Union also serves the Midland area with competitive mortgage products.
Find a home within program limits. The MSHDA MI Home Loan has a purchase price limit of $544,233. Ensure the property meets all program requirements.
Submit your application. Apply for MSHDA assistance through your approved lender during the mortgage process. For Habitat for Humanity, contact Midland County Habitat at their office to begin a separate application.