Home Buyer Down Payment Grants for Single Mothers in Michigan

Last updated: September 2025

This is your plain‑English, no‑fluff Michigan playbook. It shows what money is out there now, how to apply fast, and what to do when funds are paused. Every program, agency, and help source below is linked with descriptive anchors so you can get to the right page quickly.

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If You Only Do 3 Things – Emergency Actions to Take

• Call a HUD‑approved counselor first to map the fastest path to funding and avoid mistakes: reach the national line at 1-800-569-4287 via the page at HUD housing counseling, find Michigan agencies on MSHDA’s Housing Education, and learn counseling benefits on HUD Michigan. Counselors can pre‑screen you for MI 10K DPA, local grants, and federal zero‑down loans. (michigan.gov)
• Ask lenders about the statewide MI 10K DPA loan and check if you qualify for First‑Generation DPA or FHLBank Indianapolis HomeBoost through participating member banks. Confirm participating lenders through MSHDA’s lender locator and view current HomeBoost status at FHLBank program updates. (michigan.gov)
• If your city has its own grant, apply while funds last. For example, Detroit’s $25,000 grant is currently paused, but you can track reopenings on Detroit DPA updates, watch new funding under Detroit CDBG‑DR plans, or use an active city fund like Grand Rapids Homebuyer Assistance Fund. (detroitmi.gov)

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Quick Help Box – Keep These 5 Contacts Handy

• Statewide program help at MSHDA Homeownership (toll‑free 1-855-MI‑MSHDA) and general MSHDA directory for other divisions. Get MI Home Loan rules, DPA details, and class referrals. (michigan.gov)
• Free counselors: reach HUD Housing Counseling at 1-800-569-4287, browse local links at HUD Michigan, and enroll in classes via MSHDA Housing Education. (hud.gov)
• Rural zero‑down options: talk to USDA RD Michigan (state office 517-324-5190) and the USDA Single‑Family Direct program help line 517-324-5210. (rd.usda.gov)
• Mortgage trouble or lender issues: call DIFS consumer help at 1-877-999-6442, and get fraud/complaint routing via HUD FHA Resource Center. (michigan.gov)
• Veteran moms: use Michigan Veterans Affairs Agency (MVAA) at 1-800-MICH‑VET for VA loan navigation and emergency help; they connect to VSOs and benefits. (michigan.gov)

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What Counts as a “Down Payment Grant” in Michigan?

Most statewide help is a no‑interest, deferred loan that you repay when you sell, refinance, or move, while many city programs give true grants that are forgiven if you meet occupancy rules. The core statewide tool is the MI 10K DPA loan, which is a 0% second with no monthly payment, tied to a MI Home Loan first mortgage and a required homebuyer education class. Some locals, like Detroit’s DPA, pay a grant you don’t repay if you stay put for the full term; others, like Grand Rapids HAF, provide smaller forgivable support. Always check the fine print on MSHDA, your city’s housing page, and your lender’s disclosures. (michigan.gov)

Reality check: Money comes and goes during the year. Confirm availability with the program office before you shop for a home, and ask your lender to reserve funds early through MSHDA’s systems, verify local status on your city page (for example Detroit DPA status), and line up backups like FHLBank HomeBoost. Expect reviews and closings to take a few weeks once your file is complete. (michigan.gov)

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Statewide Programs You Can Use Right Now

MI 10K DPA loan – the workhorse you can actually get

The MI 10K DPA loan gives up to $10,000towardyourdownpayment,closingcosts,andprepaidsasa0$544,233 statewide, which helps in high‑cost counties; verify your income/credit with a HUD counselor before you pay fees. (michigan.gov)

• How it works: You borrow up to $10,000; you repay only when you sell, refinance, or move; there’s no monthly payment; and you must keep the home as your primary residence per MSHDA terms. Coordinate timelines with your lender so the DPA is reserved before appraisal. Use MSHDA’s education locator to book class seats early. (michigan.gov)
• Eligibility basics: First‑time buyer (or buying in a targeted area), 640+ credit score, income within program limits, and purchase price under the posted cap on MI Home Loan. Confirm the newest caps and your county’s income table with your lender from MSHDA Homeownership and a HUD counselor. (michigan.gov)
• Typical timeline: From complete file to clear‑to‑close, allow 30–45 days; the DPA second is prepared alongside your first mortgage. Ask your lender for a same‑day reservation confirmation through MSHDA lender channels and lock class dates via MSHDA education. (michigan.gov)
• What to do if this doesn’t work: Press your lender to check FHLBank HomeBoost availability; ask your employer about Employer‑Assisted Housing; and scan city funds like Grand Rapids HAF or East Lansing DPA. (fhlbi.com)

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First‑Generation Down Payment Assistance – big help, now wait‑listed

Michigan’s pilot First‑Generation DPA launched February 18, 2025 with up to $25,000perhouseholdforfirst‑generationbuyers.Itmustbeusedwitha[\ast MSHDAMIHomeLoan\ast ](https://www.michigan.gov/mshda/0$544,233 after May 1, 2025 per the updated program FAQs. (michigan.gov)

• Key points: You must be first‑generation (no parent owned a home in the last three years, or you aged out of foster care/emancipated), meet income limits, invest 1% of your own funds, and complete face‑to‑face education through HUD counselors. This pilot cannot be combined with MI 10K DPA; pick one. Track updates on MSHDA news. (michigan.gov)
• What to do if this doesn’t work: Ask your lender to pivot to MI 10K DPA, stack a lender grant like Honor Credit Union’s $2,500, or use FHLBank HomeBoost if you qualify as first‑generation or in a listed community. (michigan.gov)

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Employer‑Assisted Housing – ask HR if your workplace participates

Michigan opened an Employer‑Assisted Housing Fund in 2025 to support new housing and employer‑sponsored DPA. Recent awards include matches for down payment help at companies in Petoskey, Grand Rapids‑Wyoming, and Traverse City per MSHDA board actions. Ask your HR to review the fund and contact MSHDA for how to participate. (michigan.gov)

• What to do if this doesn’t work: Request a letter from HR confirming no employer help, then lean on MI 10K DPA, explore FHLBank HomeBoost, and book counseling through MSHDA Housing Education. (michigan.gov)

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Local Grants and City/County Programs

Funding opens and pauses; apply early and always have a backup. Here are current high‑impact local options.

Detroit – up to $25,000 (currently paused)

Detroit’s DPA offered grants up to $25,000 for down payment, closing costs, and rate buydowns; you needed to be a recent Detroit resident or a 2010–2016 property‑tax foreclosure victim, within posted income limits, and commit to three years of occupancy. As of now, Detroit is pausing new applications while it finishes Round 2; monitor status on Detroit DPA – Am I Ready?, read how it works on Detroit DPA details, and track new federal recovery dollars for homeownership via Detroit’s 2023 CDBG‑DR plan. Save the DPA hotline (313‑244‑0274) from past city notices and watch Detroit For Life for reopenings. (detroitmi.gov)

• What to do if this doesn’t work: Use MI 10K DPA, compare a lender grant like FHLBank HomeBoost, and book counseling through the Detroit Housing Network partners to prep for the next DPA wave. Also check water/utility relief to stabilize your budget via DWSD EasyPay. (michigan.gov)

Grand Rapids – up to $7,500 Homebuyer Assistance Fund

The City of Grand Rapids Homebuyer Assistance Fund provides up to $7,500 for down payment and closing costs if you buy within city limits, meet income/asset caps, and complete approved education; see the city’s broader homeownership hub at Grand Rapids Housing Hub and combined options including MSHDA MI 10K DPA. Confirm program status with the city before you write an offer. (grandrapidsmi.gov)

• What to do if this doesn’t work: Stack MI 10K DPA, ask your lender about FHLBank HomeBoost, and consult HUD counseling to review FHA/USDA options. (michigan.gov)

Lansing / East Lansing – up to $14,999–$30,000 (administered by CAHP)

With the nonprofit Capital Area Housing Partnership as administrator, the City of Lansing DPA offers up to $14,999,andthe[\ast CityofEastLansingDPA\ast ](https://www.cityofeastlansing.com/2456/Current-CDBG-Programs)fundsupto$30,000 in select neighborhoods, plus $1,000–$5,000 for required repairs; both require income/asset limits and education. Coordinate your first mortgage with MSHDA MI 10K DPA when allowed and request an early inspection slot per program rules. (capitalareahousing.org)

• What to do if this doesn’t work: Try MI 10K DPA, ask your HR about Employer‑Assisted Housing, and consider USDA Guaranteed 0% down if your target neighborhood is rural‑eligible. (michigan.gov)

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Federal Mortgages That Reduce or Eliminate the Down Payment

• FHA 3.5% down: FHA allows 3.5% down and can pair with public/nonprofit DPA. Learn basics at HUD loans overview, get lender guidance via FHA Resource Center, and weigh MI DPA layering at MI 10K DPA. (hud.gov)
• USDA Rural 0% down: If you buy in an eligible area and meet income caps, you may qualify for a true zero‑down mortgage; start at USDA Guaranteed, review the USDA Direct program in Michigan, and get Michigan contacts at USDA RD Michigan. (rd.usda.gov)
• VA for eligible veterans: VA loans commonly require no down payment and no mortgage insurance; get help connecting through MVAA and ask a counselor at HUD counseling about combining VA with seller credits. Confirm lender overlays before applying for MI 10K DPA alongside VA. (michigan.gov)
• HUD Section 184 (Tribal): Native homebuyers from federally recognized tribes can use low‑down‑payment mortgages with flexible underwriting; start at HUD Section 184, read the borrower resources, and confirm Michigan county eligibility on Section 184 program pages. (hud.gov)
• What to do if this doesn’t work: Return to MSHDA MI 10K DPA, ask about FHLBank HomeBoost, and use a HUD counselor to check if a different loan type fits your credit and budget. (michigan.gov)

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Bonus: Michigan tax savings you can still use

Michigan lets you deduct contributions to a First‑Time Home Buyer Savings Account through tax year 2026: up to $5,000single/$10,000 joint. Read rules and timing at Michigan Treasury’s First‑Time Home Buyer notice, check deductibility FAQs at Treasury “Are contributions deductible?”, and confirm interest deductibility at Treasury “Is interest deductible?”. (michigan.gov)

• What to do if this doesn’t work: Skip the account and keep saving in a normal high‑yield account; then rely on MI 10K DPA, explore HomeBoost, and take MSHDA classes to speed approval. (michigan.gov)

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Comparison Tables You Can Screenshot

State and Federal Paths at a Glance

City and Regional Programs (sample)

Your Application Documents

Typical Wait Times (when funds are available)

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Step‑by‑Step: How to Apply Without Losing Weeks

1. Get coached with a free counselor: call 1-800-569-4287 via HUD housing counseling, line up a Michigan class at MSHDA Housing Education, and confirm if USDA RD or FHA fits your budget. (hud.gov)
2. Pick your financing path: ask an approved lender about MI 10K DPA, see if you qualify for First‑Gen DPA, and request a check on FHLBank HomeBoost openings. (michigan.gov)
3. Reserve funds early: have your lender submit the DPA reservation as soon as you sign a purchase agreement, and verify the sales price limit on MI Home Loan. If your city has DPA (e.g., Grand Rapids HAF), submit simultaneously. (michigan.gov)
4. Finish education & documents: complete the class via MSHDA education and upload all paystubs, bank statements, and ID; counselors on HUD Michigan can double‑check your file. (michigan.gov)
5. Close and move in: ask your title company to record the DPA properly; keep your program letter handy in case of future refinance questions; save utility help links like MPSC protections to avoid shutoffs if money is tight after closing. (michigan.gov)

• What to do if this doesn’t work: If denied, get the lender’s reason in writing, take it to a HUD counselor, and appeal or switch lenders; also call DIFS at 1-877-999-6442 if you suspect unfair treatment. (michigan.gov)

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Common Mistakes to Avoid

• Counting on one program only: Always have a plan B such as MI 10K DPA, FHLBank HomeBoost, or a city fund like Grand Rapids HAF. Funds pause without warning. (michigan.gov)
• Going under contract before your DPA is lined up: Make the DPA reservation early through your MSHDA lender, ask for a reservation confirmation, and keep your counselor looped in. (michigan.gov)
• Missing education requirements: State programs require classes via MSHDA Housing Education; some city funds need extra sessions; schedule early to avoid delays. (michigan.gov)
• Forgetting utility backup after closing: Avoid shutoffs during your first months by reading MPSC shutoff protections and enrolling in plans like DWSD EasyPay if you’re in Detroit. (michigan.gov)

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“Reality Check” – Delays, Pauses, and Denials Happen

Funding pauses are normal: Detroit’s DPA is paused, and state pilots like First‑Gen went to waitlist fast; watch Detroit DPA status, track MSHDA announcements, and keep lender alternatives like MI 10K DPA queued up. Expect 2–3 weeks for file reviews. (detroitmi.gov)

Not all help is a grant: Statewide money is often a 0% deferred loan via MI 10K DPA. True grants are more common in city funds, or at lenders through FHLBank HomeBoost. Read your note and security instrument. (michigan.gov)

Price caps and rules change: MI Home Loan’s sales price cap rose to $544,233 after May 1, 2025; always verify the newest numbers on MI Home Loan and First‑Gen FAQs before you write offers. (michigan.gov)

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Quick Reference Cheat Sheet

• I need up to $10k statewide: Apply for MI 10K DPA, take a MSHDA class, and lock with a participating lender. (michigan.gov)
• I’m first‑generation: Join the First‑Gen DPA waitlist, keep shopping with MI 10K DPA, and ask about HomeBoost. (michigan.gov)
• I need a city grant: Check Detroit DPA status, apply to Grand Rapids HAF, or use East Lansing/Lansing DPA. (detroitmi.gov)

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Application Checklist (print or screenshot)

• Government ID and Social Security cards for all buyers — confirm names match on FHA/USDA docs and USDA Direct guide with your counselor. (hud.gov)
• Last 30–60 days paystubs, last two months bank statements — secure upload via your MSHDA lender and verify asset rules on MI 10K DPA. (michigan.gov)
• Completed homebuyer class certificate — schedule at MSHDA education and keep a PDF for your file. (michigan.gov)
• Purchase agreement with all addenda — needed for city DPA and MSHDA reservation. (grandrapidsmi.gov)
• Any program‑specific forms — e.g., First‑Gen DPA affidavit, East Lansing DPA application, or FHLBank HomeBoost self‑certification. (michigan.gov)

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Troubleshooting: If Your Application Gets Denied

• Ask for clarity in writing from your lender, then review options with a HUD counselor and consider a second opinion from another MSHDA‑approved lender. (hud.gov)
• Check for discrimination if something feels off. File with the Michigan Department of Civil Rights (800‑482‑3604) and contact HUD Fair Housing to learn your rights. (michigan.gov)
• Use emergency backstops if bills stack up while you regroup: ask about MDHHS Home Ownership Services ($2,000 lifetime toward mortgage/related emergencies), look at MPSC shutoff protections, and call DIFS if you need help with your servicer. (michigan.gov)

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Resources by Region

Detroit / Wayne County

Use MI 10K DPA statewide while Detroit’s $25k DPA is paused, confirm new funding via Detroit CDBG‑DR allocations, and stabilize water bills through DWSD EasyPay. Pair these with free coaching from HUD counselors and lender‑level grants like FHLBank HomeBoost. (michigan.gov)

Grand Rapids / Kent County

Start with Grand Rapids HAF, layer MI 10K DPA, and explore new employer assistance matches via MSHDA’s Employer‑Assisted Housing news. Consider Habitat pathways at Habitat Kent homeownership and use HUD counseling for budgeting and credit coaching. (grandrapidsmi.gov)

Lansing / East Lansing / Ingham County

Tap City of Lansing DPA via CAHP, East Lansing DPA, and stack with MI 10K DPA where allowed. If a suburban address qualifies, ask about USDA Guaranteed 0% down and book HUD counseling before you pay for inspections. (capitalareahousing.org)

Ann Arbor / Ypsilanti / Washtenaw

Use MI 10K DPA, ask lenders about GSE grants like Honor CU’s $2,500, and watch county housing resources through OCED/Washtenaw homeowner links. HUD‑approved counseling is available via HUD Michigan and MSHDA Housing Education. (michigan.gov)

Flint / Genesee County

While city‑level buyer grants can vary, you can combine MI 10K DPA with counseling via HUD counseling and use county reliefs for property taxes through programs like HOPE/PAYS on City of Flint homeowner supports. If water costs threaten closing, call MPSC energy help and ask about shutoff protections. (michigan.gov)

Kalamazoo County

City DPA funds shift yearly, so lean on MI 10K DPA, check county housing millage opportunities at the county housing site, and ask lenders about FHLBank HomeBoost. Use HUD counseling for credit clean‑up and timelines. (kalcounty.gov)

Saginaw / Bay / Midland

Pair MI 10K DPA with a rural‑edge USDA Guaranteed where addresses qualify, and contact local city halls for any CDBG‑funded buyer aids. Keep a counselor in the loop via HUD counseling as DPA windows open and close. (michigan.gov)

Northern Michigan / Traverse City region

Ask about employer or community funds (first‑gen or workforce), stack MI 10K DPA, and check FHLBank HomeBoost through participating lenders. Use USDA RD Michigan for rural addresses and book HUD counseling to map options. (michigan.gov)

Upper Peninsula (Marquette and beyond)

Leverage USDA Direct or USDA Guaranteed for zero‑down, combine with MI 10K DPA where allowed, and work with HUD counselors to line up timelines in smaller markets. (rd.usda.gov)

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Diverse Communities: Tailored Notes and Resources

LGBTQ+ single mothers: If anyone blocks or delays your mortgage or DPA due to sexual orientation or gender identity, that is illegal in Michigan. File with the Michigan Department of Civil Rights fair housing unit, get national help via HUD Fair Housing contacts, and loop a counselor from HUD housing counseling to escalate lender solutions. Ask lenders about FHLBank HomeBoost for grants you keep. (michigan.gov)

Single mothers with disabilities or with a disabled child: Request “reasonable accommodations” (extra time, large‑print forms, or accessible meetings) when applying through MSHDA lenders; you can cite state ADA contacts at Michigan ADA coordinators. Use HUD counseling for application support and consider USDA Direct for more flexible ratios. (michigan.gov)

Veteran single mothers: Call MVAA at 1-800-MICH‑VET to connect to a VSO who knows VA loan rules and can also locate emergency relief; pair VA with MI 10K DPA if it fits lender guidelines, and get counseling via HUD to compare payment options. (michigan.gov)

Immigrant/refugee single moms: Counselors help document lawful status and acceptable income sources for loans. Start at HUD counseling, use MSHDA education, and target programs that accept alternative credit within MSHDA lenders. (hud.gov)

Tribal‑specific resources: If you are a member of a federally recognized tribe, evaluate HUD Section 184 first for lower down payment and flexible underwriting; verify county eligibility on the Section 184 program site, then compare with MI 10K DPA if layering is allowed by your lender. (hud.gov)

Rural single moms with limited access: Try zero‑down USDA Guaranteed, ask the state office at USDA RD Michigan for packagers, and use MSHDA MI 10K DPA if your lender allows a second. (rd.usda.gov)

Single fathers: Every program above is gender‑neutral. Use MSHDA resources, HUD counseling, and USDA RD Michigan if you are buying outside metro cores. (michigan.gov)

Language access and TTY: Ask for interpreters and large‑print forms. MDCR lists relay options on MDCR contact, HUD offers counseling in 250+ languages via HUD counseling, and you can request ADA modifications through Michigan ADA coordinators. (michigan.gov)

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Birmingham Water Bill Help (Oakland County)

Birmingham moms can’t always find a city‑specific assistance page, but county programs cover you. Start with Oakland County Hardship Assistance for up to $2,000 toward water/sewer and select repairs, use WRAP and Hardship links for ongoing affordability options, and call United Way at 844‑211‑4994 via the county utilities portal. If you’re closing on a home, keeping utilities current can protect your mortgage approval. (oakgov.com)

• What to do if this doesn’t work: Ask your city water department for payment plans, apply to MPSC protection programs, and call 2‑1‑1 from your phone or visit mi211 for emergency aid. (michigan.gov)

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How to Stop Utility Shutoff in Michigan Today

If a shutoff notice threatens your closing or your first months in the home, act now. Ask your utility for the Winter Protection Plan or medical protection, apply for State Emergency Relief (SER) then MEAP, and in Detroit use DWSD EasyPay. Keep the MPSC phone (800‑292‑9555) from the MPSC home page if you need help with a utility. (michigan.gov)

• What to do if this doesn’t work: Call a counselor at HUD counseling for a rapid budget plan that your lender will accept, request a credit supplement from your loan officer, and document protections from the MPSC portal for your underwriter. (hud.gov)

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FAQs (Michigan‑specific)

1. Can I stack city grants with MI 10K DPA?
   Often yes, if your lender and the city allow it; MI 10K must pair with a MI Home Loan, and some cities like East Lansing coordinate with first mortgages. Always ask your MSHDA lender. (michigan.gov)
2. What’s the real difference between MI 10K DPA and First‑Gen DPA?
   MI 10K is an interest‑free deferred loan up to $10kavailablestatewideyear‑round;First‑Genisa$25k pilot tied to first‑generation status and is currently wait‑listed. Compare details on MI 10K DPA and First‑Gen DPA. (michigan.gov)
3. What is the current MI Home Loan price cap?
   $544,233 statewide after May 1, 2025. Verify before shopping on MI Home Loan and watch MSHDA news. (michigan.gov)
4. Are there bank‑based grants I don’t repay?
   Yes—ask lenders about GSE‑backed options like Honor CU’s $2,500 grant and member‑bank grants via FHLBank HomeBoost. (honorcu.com)
5. Can Section 8 voucher holders buy a home?
   MSHDA’s Key to Own Homeownership helps active HCV households transition to ownership; coordinate with your local HCV office and MSHDA RAHS. (michigan.gov)
6. How long does Detroit DPA take when open?
   Detroit said 2–3 weeks for review after a complete file; watch for reopenings on Detroit DPA status and read program FAQs. (detroitmi.gov)
7. Does Michigan have a true “first‑time buyer savings” tax program?
   Yes, through 2026 you can deduct contributions to a First‑Time Home Buyer Savings Account per Michigan Treasury’s notice and FAQs on deductible contributions. (michigan.gov)
8. What if I live rural and can’t save a down payment?
   Use zero‑down USDA Guaranteed or USDA Direct plus MI 10K DPA if the lender allows a second. (rd.usda.gov)
9. Who helps if my lender won’t respond or add my DPA?
   Call DIFS consumer help at 1‑877‑999‑6442, get a counselor via HUD counseling, and consider switching to another MSHDA lender. (michigan.gov)
10. How do I protect myself from fair housing problems?
    Read state protections at MDCR fair housing, call 800‑482‑3604, and use HUD Fair Housing if you face appraisal bias, steering, or mortgage denials. Get a counselor via HUD counseling. (michigan.gov)

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Spanish Summary (Resumen en español)

Este resumen en español fue traducido con herramientas de IA. Verifique todos los detalles con las fuentes oficiales enlazadas.

• Para ayuda estatal, solicite MI 10K DPA, complete la clase de MSHDA Educación, y use un prestamista aprobado de MSHDA. (michigan.gov)
• Si es “primera generación,” siga el estado de First‑Gen DPA (actualmente con lista de espera) y pregunte por FHLBank HomeBoost con bancos participantes. (michigan.gov)
• Revise programas locales como Detroit DPA (pausado), Grand Rapids HAF, y East Lansing DPA. Para asesoría gratuita llame a HUD Housing Counseling al 1‑800‑569‑4287. (detroitmi.gov)

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About This Guide

Compiled by the ASingleMother.org Editorial Team.

This guide uses official sources including:

• MSHDA MI 10K DPA and MI Home Loan. (michigan.gov)
• MSHDA First‑Generation DPA and First‑Gen FAQs. (michigan.gov)
• City of Detroit DPA and status updates. (detroitmi.gov)
• Grand Rapids Homebuyer Assistance Fund and Housing Hub. (grandrapidsmi.gov)
• CAHP Lansing/East Lansing DPA and City of East Lansing DPA. (capitalareahousing.org)
• FHLBank Indianapolis HomeBoost and program overview. (fhlbi.com)
• Federal mortgage references: HUD loans (FHA), USDA RD Michigan, and HUD Section 184. (hud.gov)
• Consumer protection/utilities: DIFS mortgage help, MPSC shutoff protections, and DWSD EasyPay. (michigan.gov)
• Taxes and savings: Michigan Treasury First‑Time Home Buyer Savings. (michigan.gov)

Last verified September 2025, next review April January 2026.

Please note that despite our careful verification process, errors may still occur – email info@asinglemother.org with corrections and we respond within 72 hours.

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Disclaimer

This guide is for general education. It is not legal, tax, or financial advice. Program terms, funding, and eligibility change often. Always confirm totals, timelines, and rules with program owners, your lender, and a HUD‑approved counselor. Use official sites and phone numbers linked above. If you feel you were treated unfairly in any housing process, contact the Michigan Department of Civil Rights and the HUD Fair Housing line. (michigan.gov)

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Tips:

• Keep copies (digital and paper) of every approval letter and class certificate.
• Call to confirm current availability before applying, especially for local grants and pilots.
• Expect 10–15 business days for non‑crisis underwriting and 2–3 weeks for some city DPA reviews once your file is complete. (detroitmi.gov)

Good luck. You’ve got this—and you’ve got the links to prove it.

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🏛️More Michigan Resources for Single Mothers

Explore all assistance programs in 34 categories available in Michigan

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• 📈 Credit Repair & Financial Recovery