Help to buy in Michigan
Home-buying assistance programs in Michigan
2 official programs for down payment and closing cost help in Michigan, from Michigan State Housing Development Authority. We show what each program says on its own page, with the date we checked it.
Key numbers in Michigan
- Verified programs
- 2
- from Michigan State Housing Development Authority
- First-time buyers only
- 1
- 1 does not require it or its page does not say
- Accept an ITIN
- 0
- per their own site · no: 0 · unconfirmed: 2
- Last checked
- November 5, 2026
- against each program’s official page
How to read the list
Not all help is the same
Amounts, limits and funding change: confirm with a participating lender.
Before you compare amounts, look at the kind of help: it changes what you pay later. These are the kinds the programs on this page use.
On ITIN, each card says what the program itself publishes: yes, no, or not confirmed on its site.
The full list
Programs in Michigan
Filter by who qualifies, by ITIN or by kind of help. Each card quotes the source and the date we checked it.
-
- Deferred
Michigan state agency loan of up to $10,000, with no interest and no monthly payments, for the down payment, closing costs and prepaid expenses; it goes with MSHDA's MI Home Loan mortgage and is repaid in certain cases, such as when you pay off the first mortgage, sell or refinance the home, or no longer live in it
What it gives, per the source
providing up to $10,000 toward down payment, closing costs, and prepaid expenses. … comes in the form of an interest-free loan. … No monthly payments … Repayment of the loan is deferred until certain events, such as payoff of the first mortgage, the sale or refinance of the home, or when the home is no longer owner-occupied.
- First-time buyer?
- The source does not say whether you must be a first-time buyer
- Accepts ITIN?
- Its site does not confirm
Run by Michigan State Housing Development Authority (MSHDA)
Verified November 5, 2026
-
- Tax credit
Michigan state authority certificate that lets you take 20% of the interest you pay each year on your mortgage off your federal taxes, for the life of the loan; you apply with an approved lender before you buy
What it gives, per the source
Qualified homebuyers can credit 20% of their annual mortgage interest paid against their year-end tax liability. … The tax credit is allowable every year for the life of the original mortgage (up to 30 years!)
- First-time buyer?
- First-time buyers only
- Accepts ITIN?
- Its site does not confirm
Run by Michigan State Housing Development Authority (MSHDA)
Verified November 5, 2026
No program matches your search.
Your county
Price and income limits depend on the county. Your county page has the typical value, the FHA limit and the counseling agencies that can walk you through the application.
Frequently asked questions
What is down payment assistance?
Money from a public or nonprofit program for the down payment or closing costs. It can be a grant you never repay, a second loan forgiven if you stay in the home for some years, a second loan repaid when you sell or refinance, or a tax credit (MCC) that lowers your federal taxes.
Do I need to be a first-time buyer in Michigan?
Of the 2 programs on this page, 1 requires it; the rest do not, or their page does not say. In general, “first-time buyer” means not having owned a home in the last three years.
Can I use these programs with an ITIN?
What each program’s own site says: accept an ITIN, 0; do not accept one, 0; not confirmed on its site, 2. Ask the participating lender directly before you start, and ask for it in writing.