Down Payment Assistance

Grant Funded, Tribally Funded

Down Payment Assistance Application Checklist

Down Payment Assistance Application 

The Down Payment Assistance Program offers Gun Lake Tribal Citizens the opportunity to receive a matching award, up to $10,000, towards down payment and closing costs when purchasing a primary residence. The Housing Department will match the Applicant’s contribution, dollar-for-dollar, up to a maximum of $6,999. If the Applicant contributes $7,000, the Department will award an additional $3,000 for a total benefit of $10,000. Some program qualifications include, but are not limited to the following: 

  • Enrolled Gun Lake Tribal Citizen at least 18 years of age
  • Have a debt to income ratio of 41% or less
  • Complete an approved Home Buyer Education Class
  • Be prequalified by a lending institution

The Down Payment Assistance Program is a great opportunity for our Tribal Citizens to realize their goal/dream of Homeownership.

Benefit: Provides financial support, up to $10,000, towards the purchase or refinance of a home.

Structure: The Housing Department will match the Applicant’s contribution, dollar-for-dollar, up to a maximum of $6,999. If the Applicant contributes $7,000, the Department will award an additional $3,000 for a total benefit of $10,000.

Requirements

  • Must complete a Homebuyer Education Class conducted by the Housing Department.
  • Benefit can only be applied to a primary residence.
  • The mortgage loan amount combined with any Down Payment assistance cannot exceed 100% of the appraised value of the property.
  • The property must be zoned for residential use, wood-frame and/or other approved construction type, and meet the Department’s inspection requirements.
  • Have a debt-to-income ratio, including housing cost, less than 41% of the Applicant’s income.
  • Shall not be eligible for any other assistance program for a five-year period, with the exception of the Sewer/Sanitation Program.

Testimonial: 

“I'm so thankful to have been able to use the Down Payment Assistance Program twice now! I initially used the program in 2005 to assist in the purchase of our family's first home. Carrie makes the process so easy. It’s very clear what you need to do and as long as you follow through, you should be all set. Let’s face it – nothing that you do will ever make the home buying process stress-free. Purchasing a home is a stressful process. However, working with the Tribe’s Housing Department was a breeze. Do your part as a Tribal Citizen by keeping in touch and meeting the requirements that are set and it really is an “easy” process. My family and I are so incredibly thankful for the Down Payment Assistance Program and the Tribe’s Housing Department. We are in our new home today because of this program”.    

-Becky TenBrink, Housing Improvement Program


Supportive Housing

Tribally Funded

The Supportive Housing Program provides temporary emergent housing for Gun Lake Tribal Citizens as well as the legal guardian/custodian of a minor Tribal Citizen.  The program is for Tribal those that are currently in transition because of domestic violence, incarceration, homelessness or any condition that jeopardizes one’s health and safety.  The Supportive Housing Program involves Gun Lake staff from Housing, Public Safety and Health & Human Services.  Collectively, the Supportive Housing partnership administers support services essential for long term housing stability.  The assisted residence must be located in Allegan, Barry, Ingham, Isabella, Kalamazoo, Kent, Muskegon, Newaygo or Ottawa County unless otherwise approved by the Supportive Housing Committee. The emergency phone number for assistance is (269) 397-1699. 

Benefit: Provides temporary, transitional housing for at-risk Tribal Citizens and eligible non-Tribal Citizens, specifically, but not limited to, alleged victims of an act of domestic violence, those who are recently released or soon to be released from tribal, state or federal incarceration as well as those who are homeless to ensure safety and self-sufficiency.

Structure: Once the application process has been completed, a determination regarding the availability of a suitable, safe and sanitary housing unit which meets the needs of the applicant and accommodates family size and composition is made. The length of stay that a recipient may receive under the Supportive Housing Program is 21 days and may be increased at the discretion of the Housing Committee, based upon recommendations of the Supportive Housing Subcommittee, by increments of seven days but not to exceed 42 days. The recipient must continue to maintain the eligibility requirements, including successfully meeting the goals and objectives that were collectively developed by the recipient and Supportive Housing Subcommittee.

Requirements

  • Recipient must be a Tribal Citizen or legal custodian of a Tribal Citizen minor.
  • Applicant must be one of the following: 
    1. An alleged victim of an act of domestic violence within the past 30 days who can demonstrate to the Supportive Housing subcommittee, or its delegate, a reasonable belief that the individual has been the victim of a domestic violence, dating violence, sexual assault, stalking or other dangerous condition where the health and safety of the individual and/or the individual's children are jeopardized, and who have no other residence and lack the resources or support networks to obtain other permanent housing
    2. Been released from a Tribal, state or federal penal institution within the past 30 days in which he/she served more than 10 days in jail
    3. Homeless.
  • Must receive services within Allegan, Barry, Kalamazoo, Kent or Ottawa counties (the “Service Area”) unless otherwise approved by the Supportive Housing subcommittee