Michigan program
Michigan route through MSHDA MI 10K DPA Loan. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.
Decision-ready public facts
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Current MSHDA materials describe up to $10,000 statewide as an interest-free deferred second loan for down payment, closing costs, and prepaid expenses.
Deferred second mortgage
The intake summary points to deferred or trigger-based repayment. Check the linked official page for the exact lien term and payoff triggers.
Not required
Program guide
This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.
Low moderate income homebuyer
Current MSHDA materials describe up to $10,000 statewide as an interest-free deferred second loan for down payment, closing costs, and prepaid expenses.
The intake summary points to deferred or trigger-based repayment. Check the linked official page for the exact lien term and payoff triggers.
Buyers must qualify for a MSHDA MI Home Loan, complete homebuyer education, and apply through a MSHDA approved lender for the combined first-mortgage and MI 10K file.
Current MSHDA materials describe up to $10,000 statewide as an interest-free deferred second loan for down payment, closing costs, and prepaid expenses.
2026-04-21
2026-04-21
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Comparison preview
Amount: Current MSHDA materials describe up to $10,000 statewide as an interest-free deferred second loan for down payment, closing costs, and prepaid expenses.
Repayment: The intake summary points to deferred or trigger-based repayment. Check the linked official page for the exact lien term and payoff triggers.
First-time buyer: Not required
Risk checks preview
Lender questions preview
Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Michigan.
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Specific program names, source notes, current-vs-conditional judgments, and the next lender or agency questions tied to this state.
1 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
1 tracked
Employer-linked housing incentives and workforce programs that matter only if they fit your job or agency.
2 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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Full state board
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