See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026

Homebuyer Programs in Midland, MI (2026)

Population: 42,663 | Median home price: $215,000 | Est. closing costs: $4,500 - $6,500

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 →

City of Midland Homebuyer Assistance Program (HAP)

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 →

HomeBoost Down Payment Assistance

Type:: Grant
Amount:: Up to $15,000 (up to $25,000 through some participating lenders)
First-time only:: Yes

MSHDA First-Generation Down Payment Assistance

Type:: Deferred Loan
Amount:: Up to $25,000
First-time only:: Yes

MSHDA MI 10K DPA Loan

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 →
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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Midland Habitat for Humanity Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable home with zero-interest mortgage
First-time only:: No

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: 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.

Frequently Asked Questions

How much down payment assistance can I get in Midland?+

Midland buyers can access state-level MSHDA programs including the HomeBoost program offering up to $15,000 as a grant and the MI 10K DPA Loan providing up to $10,000 as a zero-interest loan. Combining these programs could provide up to $25,000 in total assistance toward a Midland home purchase.

Do I have to be a first-time homebuyer?+

Most MSHDA programs require first-time buyer status, meaning you have not owned a home in the past three years. However, repeat buyers may qualify if purchasing in a targeted area. Midland County includes targeted areas eligible for repeat buyer participation in MSHDA programs.

What is the maximum home price I can pay?+

The MSHDA MI Home Loan has a purchase price limit of $544,233. The MI 10K DPA Loan has its own purchase price limit. With Midland's median home price around $215,000, most homes in the area fall within these limits.

What homebuyer education is required?+

MSHDA programs require completion of a HUD-approved homebuyer education course. NEMCSA offers classes for a $99 fee and can be reached at (989) 358-4653. Mid-Michigan Community Action Agency at 1717 Ridgewood Drive in Midland also provides pre-purchase counseling at (989) 832-7310.

Are there affordable homeownership programs in Midland?+

Yes. Midland County Habitat for Humanity builds affordable homes for families earning 30-60% of the Area Median Income. Applicants need a $500 down payment and must complete sweat equity hours and homebuyer education. Contact Midland County Habitat for Humanity to learn about current availability.

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