Neighborhood Stabilization Program
What is the Genesee County Neighborhood Stabilization Program?
The Genesee County Neighborhood Stabilization Program (NSP) is funded through the U.S. Department of Housing and Urban Development (HUD). The program’s purpose is to stabilize neighborhoods by:
- Purchasing, rehabilitating and redeveloping foreclosed homes and properties for rent or sale
- Demolishing blighted structures
- Redeveloping demolished or vacant properties
The home must be located in one of the target areas. For a map of Genesee County’s target areas, click here.
Who Is Eligible to Purchase a Renovated NSP Home?
- Households that meet certain income guidelines
- Households that do not currently own, or have any ownership interest in, a property
- Homebuyers that can qualify for a conventional, FHA, VA or RD mortgage
- Must attend at least eight hours of homebuyer counseling
Genesee County’s NSP will provide up to $5,000 in down payment and closing cost assistance and up to $25,000 in gap financing, which is the difference between the sales price of the home and the amount the borrower is qualified to borrow.
Appliances (range, refrigerator, clothes washer and dryer) are included with sale.
What Special Restrictions Apply?
- Must purchase a rehabilitated Genesee County NSP property
- Must meet income guidelines
- Home must be purchased as applicant's primary residence
- Cannot currently own, or have any ownership interest in, a home
- Homebuyers must make a minimum investment of $500 or 1% of the purchase price, whichever is greater (this may include the Earnest Money Deposit and appraisal, if paid for by buyer)
- If down payment assistance or gap financing is provided, a 15-year lien equal to the amount of money borrowed will be place on the property. The lien is interest-free and requires no payments until the house is sold. The lien is forgivable over 15 years.
For more information, contact the Genesee County Metropolitan Planning Commission at (810) 257-3010, or submit a preliminary NSP home buyer application.
Additional Links and Resources
Quarterly Progress Reports
See the U.S. Department of Housing and Urban Development's website where you can access additional information about the NSP and all of HUD’s services and programs.
Genesee County’s Substantial Amendment-NSP1
Genesee County’s Substantial Amendment-NSP3
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