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Ingham County, MI DPA: open-market funds spent until 2027

Published · Homebuyer update · By the DPA Finder editorial team

Ingham County, Michigan's up-to-$30,000 forgivable down payment loan is now limited to county-supported new or rehabbed homes, with new funding expected in early 2027.

Ingham County, Michigan (home to Lansing) runs a Down Payment Assistance Program through its Housing Trust Fund that offers up to $30,000 as a zero-interest second mortgage with no monthly payments. The loan is fully forgiven after the buyer lives in the home as their primary residence for at least 7 years.

The county's program page says that as of October 1, 2026, the money set aside for homes bought on the open market has been spent. Until new program dollars are announced, which the county expects in early 2027, the assistance can only be used to buy newly built or rehabbed row houses (condos) or single-family homes that received construction gap funding from the Ingham County Housing Trust Fund.

To qualify, household income must be at or below 80% of area median income, which the county lists for 2026 as $57,500 for one person and $82,100 for a household of four. The county lists sales price limits of $219,000 for existing homes and $294,000 for new homes. Buyers must complete an approved homebuyer education course, put in at least $1,000, use a 30-year fixed-rate mortgage, and have less than $30,000 in liquid assets. Applications go through a participating lender and the Capital Area Housing Partnership.

If you're buying an existing home in Ingham County before the new funding arrives, look at statewide help instead, such as the MSHDA MI 10K DPA loan. See our Michigan page for every program we track there, or read about forgivable down payment loans.

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