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Michigan program

Oakland County Treasurer’s Homebuyer Assistance Program

Michigan route through Oakland County Treasurer's Office in partnership with Independent Bank. 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.

Grant Check official rules 2026-04-21
Agency Oakland County Treasurer's Office in partnership with Independent Bank
Support type Grant
Amount highlight Current county and bank materials describe a $5,000 grant, with the bank phrasing the same benefit as up to $5,000 for down payment and closing costs.
Last verified 2026-04-21

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Use the newer county update for live-status context

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

The program remains live, but Oakland County's main page still preserves some older FAQ and launch-era wording.

Source note: The county homepage now lists the 2025 120% AMI ceiling as $123,240 but still preserves a 2024 FAQ figure of $116,760. The homepage also still mentions an initial $100,000 commitment, while the 2026-01-16 county update says the program had already issued $270,000 through the end of 2025.

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What stays free on this program page

Quick answer from published facts. Use this first, then jump to Go to Michigan program hub if you need the wider state context.

Amount

Current county and bank materials describe a $5,000 grant, with the bank phrasing the same benefit as up to $5,000 for down payment and closing costs.

Type

Grant

Homebuyer grant

Repayment

The county and partner-bank pages describe the assistance as a grant but do not publish a separate forgiveness, recapture, lien, or repayment schedule.

First-time buyer

Required

Program guide

What to know before you click through

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.

Who qualifies?

First-time homebuyers who have not owned residential property in the past three years, Households earning at or below 120% of Oakland County AMI, Buyers purchasing a principal residence in Oakland County, Borrowers able to finance through Independent Bank and contribute at least $1,000 of personal funds

What support do you get?

Current county and bank materials describe a $5,000 grant, with the bank phrasing the same benefit as up to $5,000 for down payment and closing costs.

Do you repay it?

The county and partner-bank pages describe the assistance as a grant but do not publish a separate forgiveness, recapture, lien, or repayment schedule.

How do you apply?

Contact an Independent Bank loan officer, complete approved pre-purchase counseling, qualify the first mortgage through Independent Bank, and finish the county grant steps as part of the purchase process. The county says funding is first-come, first-served and subject to availability.

Application timing

The program is subject to funding availability and funds are available on a first-come, first-served basis until exhausted; applicants start by contacting Independent Bank.

Official source evidence

Oakland County's 2026-01-16 update says the program is currently accepting applications and had already issued $270,000 to 54 households through the end of 2025. The current county and bank pages still describe a $5,000 grant for eligible first-time buyers who complete counseling, contribute at least $1,000, and finance through Independent Bank.

View official source

Last verified

2026-04-21

County progress update published 2026-01-16; launch announced 2024-09-19

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Comparison preview

Oakland County Treasurer’s Homebuyer Assistance Program

Amount: Current county and bank materials describe a $5,000 grant, with the bank phrasing the same benefit as up to $5,000 for down payment and closing costs.

Repayment: The county and partner-bank pages describe the assistance as a grant but do not publish a separate forgiveness, recapture, lien, or repayment schedule.

First-time buyer: Required

Timing: The program is subject to funding availability and funds are available on a first-come, first-served basis until exhausted; applicants start by contacting Independent Bank.

Risk checks preview

What gets flagged before you call a lender

  • Oakland County Treasurer’s Homebuyer Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Which first-mortgage product must be paired with Oakland County Treasurer’s Homebuyer Assistance Program, and what breaks eligibility?
  • How does Oakland County Treasurer’s Homebuyer Assistance Program define a first-time buyer for this household?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Program page for Oakland County Treasurer’s Homebuyer Assistance Program
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