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For Michigan homebuyers

Up to $10,000 toward your down payment and closing costs.

Michigan's MI 10K DPA, offered through MSHDA, can be paired with an MI Home Loan. Answer five quick questions to see if you may fit.

See if I fit Call 734.540.2332

Greg Goddard | Sr. Mortgage Consultant | NMLS #1478824

Income limits and program terms apply. This is not a loan approval.

Greg Goddard

What the program can do

Up to $10,000

Toward down payment, closing costs, and prepaid expenses with the MI 10K DPA. It is paired with an MI Home Loan.

No monthly payment on it

The assistance is a loan with no monthly payments. Repayment is deferred until you sell or refinance, pay off your first mortgage, or the home is no longer your residence.

Income limits that reach further here

Washtenaw County has the highest limits on the state chart, and parts of Livingston County come next.

First-time buyers, and some repeat buyers

If you have not owned a home in the past three years, you can use it statewide. Repeat buyers can use it in targeted areas.

See if you fit

Answer five quick questions about the program's criteria. You will see right away whether MSHDA looks like a fit, and what to do next either way.

734.540.2332

[email protected]

Call, text, or use the quiz. We reply the same business day.

Question 1 of 5

Where do you want to buy? People in your household

This quiz uses program criteria only. It is not a loan application or approval.

MSHDA income limits by county

Effective June 1, 2026
County and area
1 to 2 people
3 or more
WashtenawEntire county (targeted)
$170,760
$199,220
LivingstonCity of Howell, Cohoctah, Conway, and Iosco townships (targeted)
$154,800
$180,600
LivingstonRest of county
$129,000
$148,350
OaklandPontiac, Royal Oak Township, and Southfield (targeted)
$125,760
$146,720
OaklandRest of county
$104,800
$120,520
WayneDearborn, Detroit, Ecorse, Hamtramck, Highland Park, Inkster, Lincoln Park, River Rouge, Taylor, and Wayne (targeted)
$125,760
$146,720
WayneRest of county
$104,800
$120,520
MacombHarrison Township and Mt. Clemens (targeted)
$125,760
$146,720
MacombRest of county
$104,800
$120,520

Non-targeted areas require a first-time homebuyer. Targeted areas allow first-time or repeat homebuyers. The sales price limit is $566,355 statewide, and MSHDA lists a 640 minimum credit score for the MI Home Loan. Buying in another county? See MSHDA's full county chart. Source: MSHDA, MI Home Loan and MI 10K DPA. Limits change, so we confirm current figures with you.

How it works

  1. Take the quick quiz

    Five questions about county, income, buyer status, price, and credit. It takes about a minute.

  2. Talk with Greg's team, or keep learning

    If you look like a fit, we confirm your income, credit, and the address you have in mind, including whether it sits in a targeted area. If not yet, we point you to next steps.

  3. Complete the program steps

    MI 10K DPA requires a homebuyer education certificate of completion. The MI Home Loan lists a 640 minimum credit score.

Common questions

What is MSHDA?
MSHDA is the Michigan State Housing Development Authority. Its MI Home Loan is a mortgage product for first-time buyers statewide and repeat buyers in targeted areas. MI 10K DPA is the down payment assistance that goes with it.
What can the $10,000 cover?
Up to $10,000 toward down payment, closing costs, and prepaid expenses. It must be combined with an MSHDA MI Home Loan.
Do I have to pay it back?
Yes, it is a loan, but there are no monthly payments. Repayment 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.
Who counts as a first-time buyer?
MSHDA defines it as someone who has not owned a home in the previous three years. Repeat buyers can use the program in targeted areas.
What is a targeted area?
A targeted area is one MSHDA lists with its own, often higher, income limit. It can be an entire county or specific cities and townships. Whether an address is targeted depends on the property, so we check it with you.
Whose income counts?
The program generally counts income for everyone 18 and older who will live in the home. We confirm exactly what counts for your household.
What if my income is over the limit?
Other loan options may still fit. Greg's team can walk you through conventional, FHA, and more. See Loan options.
Is education required?
Yes. MSHDA requires a homebuyer education certificate of completion for all homebuyers using MI 10K DPA.

Program details come from michigan.gov/mshda and can change. Goddard Group is not affiliated with or endorsed by MSHDA or any government agency.

Ready to see if you fit?

See if I fit Call 734.540.2332
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