Michigan program
Michigan route through Oakland County Treasurer's Office in partnership with Independent Bank. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
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A $5,000 grant to help cover down payments and closing costs.
Homebuyer grant
The public county page describes the assistance as a grant and does not publish a repayment schedule.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
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
A $5,000 grant to help cover down payments and closing costs.
The public county page describes the assistance as a grant and does not publish a repayment schedule.
Contact an Independent Bank loan officer, complete approved pre-purchase counseling, qualify the mortgage through Independent Bank, and finish the county grant steps as part of the purchase process.
The official Oakland County page says the county and Independent Bank offer a $5,000 grant to eligible first-time buyers in Oakland County. The same page says the buyer must be under 120% AMI, contribute at least $1,000, complete pre-purchase counseling, and finance the home through Independent Bank.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: A $5,000 grant to help cover down payments and closing costs.
Repayment: The public county page describes the assistance as a grant and does not publish a repayment schedule.
First-time buyer: Required
Risk checks preview
This panel starts filling as soon as the program structure creates a real repayment or lender-fit question.
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Action checklist preview
Paid research preview
Paid research already tracks city and county programs, employer-assisted paths, specialty and conditional paths for Michigan.
These are not generic promises. They are the local, employer, public-employee, and specialty directions already sitting behind the paid layer.
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.
Private workspace
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