100 Homes Program

A roofline of houses with text that says Jackson 100 homes

About the Program

The City of Jackson 100 Homes Program aims to construct 100 new houses in the City of Jackson, utilizing vacant City-owned residential lots. All homes will be sold to qualified buyers earning up to 120% of the Area Median Income (also known as AMI). Residents and current non-residents can purchase these homes, with a traditional mortgage, and all homes must be owner-occupied. 

The City of Jackson will provide $25,000 in down-payment assistance per home. Applicants are also encouraged to apply for an additional $10,000 of down payment assistance through the Michigan State Housing Development Authority (MSHDA).

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About the Homes

A mixture of one and two-story homes will be constructed, matching the overall neighborhood fabric of their locations. Two-story homes will have three (3) bedrooms and one-and-one-half (1.5) bathrooms. One-story homes will have two (2) bedrooms and one-and-one-half (1.5) bathrooms. All homes will also have a detached shed for storage, concrete driveway, full basement, front porch, full kitchen appliance package, and central heat AND air conditioning. Visitable/accessible homes are also available. The sales price of homes in this program will be capped at $175,000.             

There are currently three housing types available for the program. Photos and plans of the housing types are provided on this page. 

A slideshow on this page shows examples of homes recently built in Jackson using these plans. 

How to Apply

  • Visit our ONLINE APPLICATION PORTAL, create an account, and complete your application
  • We encourage you to download the complete HOMEBUYER PACKET, which contains step-by-step application instructions and all program materials.
Applications must be submitted through our online portal. A link to the portal is available on this web page. No paper applications will be accepted.            
                      

Applicants will FIRST complete all City of Jackson application requirements. Once completed (including the submission of all required documents), applicants will THEN apply for a mortgage with the mortgage lender of their choice. Construction of a participant’s home will begin once they are pre-approved for a mortgage.

How to Apply Flowchart

All participants in the 100 Homes Program must financially qualify. Households earning less than the amounts shown in Table 1 can qualify for the MSHDA $10,000 down payment assistance. Households earning 120% or less of the area median income (AMI) can qualify for both the City of Jackson $25,000 down payment assistance AND the MSHDA $10,000 down payment assistance (shown in Table 2). 

TABLE 1: MSHDA Income Limits

Number of family members1-23 or more
Income Limit$108,360$126,420


TABLE 2: 2023 Area Median Income (AMI) Levels

Number of family members12345678
120%$64,440$73,680$82,920$92,040$99,480$106,800$114,240$121,560


Application Checklist

Successful applicants for the 100 Homes Program will complete all steps, as outlined in the 100 Homes Application Checklist (PDF)

Applicants will be moved to the top of the waiting list once all steps have been accomplished and all required documents have been received AND verified by City of Jackson staff. 

Please note, the steps are designed to prepare applicants for the mortgage application process, and eventual homeownership. Completion of these steps does not guarantee that an applicant will be approved for a mortgage, and completion does not guarantee that a home will be available for purchase via this program.

Program Guidelines

Would you like more information on the 100 Homes Program? Download our PROGRAM GUIDELINES for a complete list of program rules and regulations.                                


New house under construction