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MICHIGAN HOMEOWNER ASSISTANCE FUND

SUBMISSION OF THE MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY

August 12, 2021, 2nd revision November 5, 2021

Background and Program Overview: On April 14th, 2021, U.S. Treasury announced the

availability of funding under the American Rescue Plan Act of 2021 under section 3206

which directs states to create the necessary programs to provide financial assistance to

homeowners and eliminate financial hardships associate with the coronavirus pandemic.

Treasury used the seasonally adjusted data from the U.S. Bureau of Labor Statistics Local

Area Unemployed Statistics (LAUS) for the purpose of determining the number of

unemployed individuals in the state of Michigan.

Treasury also used the number of mortgagors with delinquent mortgage payments (more

than 30 days past due). The number of mortgagors with delinquent mortgage payments

better captures the homeowner need in the state because the rate of delinquent mortgage

payment has an increased substantially since the beginning of the pandemic, while the rate

of foreclosures has remained relatively constant over the same period.

Treasury used the number of delinquencies (in thousands) by each state from the Mortgage

Bankers Association and Haver Analytics.1 As of the date of enactment, the most data recent

available were from the fourth quarter 2020.

Treasury then used a weighted average of Michigan’s share of the total average number of

unemployed individuals over the four-month period from September 2020 to December

2020 and Michigan’s share of the total number of mortgagors who are delinquent on their

payments. These calculations used were 0.25 for unemployment and 0.75 for delinquencies.

Michigan’s state allocation is $242,812,277.

Michigan’s first submission for plan approval was sent to Treasury on August 13, 2021. 

Treasury asked additional comments on our plan on October 19, 2021. This updated 

version 2 plan reflects more in-depth explanations and changes to better address Treasury’s 

concerns.

The Michigan State Housing Development Authority (MSHDA) will set up one program that 

will allow assistance for mortgage delinquency, property tax assistance, condominium fee

delinquency, and any other homeowner mortgage delinquency. Utility assistance will also

be provided as the last item in a waterfall applied to each homeowner’s request. As 

requested by Treasury we have broken down our one program into numerous sections of 

type of assistance. Both dollars and number of units estimated. As program is underway,

we may require movement of funds from sections that are showing minimal usage to those 

areas where we have high demand.
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Assistance design Funds allocated Household numbers served

Payment 

assistance

$123,651,767 4,946

Land 

Contract/Mobile 

Homes

$10,304,314 412

Delinquent 

Property Taxes

$68,008,472 2,720

HO Assoc. Fees $2,060,862 206

Utilities / 

Broadband 

Internet

$2,060,862 4,121

• Michigan Homeowner Assistance Fund (MIHAF)

MSHDA projects to assist more than 8,243 homeowners and in so doing will

both help avoidthe devasting personal effects of foreclosure on these 

households while simultaneously reducing the secondary, but also pernicious, 

impacts of these foreclosures on neighborhoods, local government budgets, and 

the social services network. As not all households will utilize the maximum 

assistance amount, we believe that more than 13,739 households will be

assisted.

Michigan Homeowner Assistance Fund:

Michigan’s MIHAF will be launched with one program containing all areas of 

homeowner assistance. We will within our system of record define the uses 

and for reporting purposesas.

• Payment of existing delinquent payments through partial or full reinstatement

• Remittance for deferred payments and household with an active forbearance

• Lump sum assistance for loans previously modified to cure a 

delinquency, allowing lenders to re-cast payments.

• Payment of delinquent property taxes

• Delinquent Condominium payments

• Payment of Escrow shortages (taxes, flood, or hazard insurance)

• De minimis lender-assessed fees

• Past due utilities to include gas, water, electric and internet or broadband.

o Michigan will undertake best effort approach to leverage the 

utility assistance that might be available for homeowners 

through other federalprograms that have been created 

expressly for that purpose before usingMIHAF funds for

utility assistance. There will be no concern to our office on 

seasonal increase or decrease of funds due.

Program Term Sheet is attached as Exhibit 1 for a more detailed outline.

Eligible Homeowners for the MIHAF program must meet specific criteria.

• Must have experienced a qualified financial hardship due to the 

coronavirus pandemic after January 21, 2020 or had a qualified financial 

hardship that began before January 21, 2020, but continued after that 

date.
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• Homeowner must currently own and occupy their property as their primary residence.

• Homeowner must meet income eligibility requirements.

Eligible properties for those that are

• Single family structures either attached or detached,

• Condominium units,

• 1-4 structure units if owner occupies one unit,

• Manufactured Home on land or in mobile home parks,

• Properties owned on Land Contract.

Ineligible properties are those vacant or abandoned, second homes, investment properties or 1–

4-unit properties where the homeowner/landlord has received Emergency Rental Assistance.

While programming our IT system we have created “flags” on files to escalate the review process if

the homeowner tells us through the intake process that they have a sheriff sale scheduled. This will

prioritize our review for us to stop a foreclosure. This same process will come into play with any 

delinquency that may cause a foreclosure (delinquent property taxes and delinquent Condominium

fees). These flags along with a concentrated effort in marketing to our target audience will engage

households in need.

Prioritization of funding to the following populations: 

o Not less than 60% will be used for qualified expenses that assist homeowners having 

incomes equal to or less than 100% of the area median income. 

o Amounts not made available to homeowners that meet the above income-targeting 

requirement will be used to assist homeowners having household incomes equal to or less 

than 150% of area median income and prioritized for assistance to socially disadvantaged 

individuals as defined by the Department of U.S. Treasury’s guidance dated August 2, 

2021. 

“Socially Disadvantaged Individuals” are those whose ability to purchase or own a home has been 

impaired due to diminished access to credit on reasonable terms as compared to others in 

comparable economic circumstances, based on disparities in homeownership rates in Michigan as 

documented by the U.S. Census. “Socially Disadvantaged Individuals” are those who have been 

subjected to racial or ethnic prejudice or cultural bias within American society because of their 

identities as members of groups and without regard to their individual qualities. Social 

disadvantage must stem from circumstances beyond their control.

Indicators of socially disadvantage impairment may include being a 1) member of a group that has 

been subjected to racial or ethnic prejudice or cultural bias with American society; 2) resident of a 

majority-minority Census tract; 3) individual with limited English proficiency; 4) individual who 

lives in a persistent-poverty county that has had 20% or more of its population living in poverty 

over the last 30 years; 5) single-member households, Female heads of households with related 

children and Shelter overburden households as supported in Michigan’s data analysis, and 6) an 

individual who identifies and self-attests to being socially disadvantaged within the application 

process. 

Maximum amount of assistance per homeowner is $25,000. Based on reasonable administrative 

costs of 14.13%, we believe that we will help over 8,243 homeowners assuming that maximum 

assistance is met at $25,000. Historical numbers from our previously run Michigan Step Forward 

program (HHF), median assistance amounts were closer to $15,000 per household, thus increasing 

our number of homeowners assisted to over 13,739 households. All funds provided on the behalf of

the homeowner will be in the form of a non-recourse grant. A Grant Agreement (Exhibit 4) will be 
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required to be executed by homeowner prior to funding and maintained in our file.

Administrative Costs are projected at 14.13%. Additional detail on anticipated costs is outlined in 

budget (Exhibit 2). Cost assumptions were calculated for a term of 4 years for program. Any excess 

administrative costs will be used to provide additional program funding to assist a greater number

of households.

Program Coordination and Triage will begin with an on-line application system managed by 

MSHDA staff through an internal operations center. Staff will be hired as MSHDA limited term 

positions, increasing, or decreasing staff numbers based on program need. For those homeowners 

that either have no access to computers or need further assistance in applying,we will allow for 

phone applications which will be managed through a call center. Michigan is engaging with a thirdparty vendor (State of Michigan 211) to answer a dedicated 800 number, providing file status

updates, completing phone applications, and offering referrals to other state agencies and to nonprofit counseling agencies for homeowner assistance needs.

For those homeowners that would like a one-on-one process we will be engaging with our HUD 

non-profit counseling agencies to meet with clients and walk them through the application process 

and to gather required documentation. A per file- fee will be paid out of program dollars to cover

these services. These agencies may also assist homeowners with other services that are needed, 

such as foreclosure prevention counseling, financial capabilities and re-budgeting which will guide 

homeowners to a sustainable payment path. Funds from HAF will also be provided to these 

agencies for counseling services. Our non-profit legal service offices will also obtain referrals and 

we will be providing funding from the MIHAF program on a set price per household regardless of 

MIHAF funding is provided or not. 

All participating mortgage lenders/servicers and other program partners will be required to sign a 

Provider Participation Agreement (see Exhibit 5) to participate in the program which will lay out 

the roles and responsibilities of all parties. Based on our experience of the Michigan Step Forward 

program we had 360 lenders/servicers, 80 property tax authorities and 115 condominium 

associations that partnered with us. MSHDA’s homeowners will also be targeted for assistance.

We will be using the Common Data File (CDF) to communicate with the lenders/servicers 

homeowner’s eligibility, loan status andconfirm application of program funds to their account. We 

will use other secured email transactions to communicate with our other program partners.

Loss Mitigation Michigan efforts will be using the previously created Custom Data File (CDF). 

Through this system and in conversations with the homeowners we will determine if previous 

discussions were had with their lender on possible modification options. Also, we have had 

numerous conversations with Lender on the HPC calls hosted by NCHSA and during these calls 

Lenders do not want us to wait until modification is already underway. They would prefer that we 

communicate through the CDF the homeowner’s availability and then they will accept funds and 

continue to work with homeowners on a workout on any remaining funds still past due. It is 

Michigan’s plan to review each client’s situation, then reach out to their Lenders for the best 

possible option to remedy their delinquency. Michigan will not be requiring a modification to take 

place prior to any HAF funds being provided. 

Sustainable monthly payments for homeowners will not be an eligibility component that 

Michigan will build into our program. Michigan will flag accounts for a referral to a HUD approved 

agency for financial capabilities or re-budgeting counseling. On all file approvals we will send an email to homeowner providing them a link to our HUD approved counselors.
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IT System needs will be met with a system of record offering an on-line application process,that 

allows the applicant to upload all required documentation, communicate directly with operation 

staff, and provides the applicant with their case status. The system of record will manage and retain

transmission records to and from the mortgage lenders/servicers and other program partners.

There will be multiple reporting dashboards developed for pipeline management, including 

tracking program funds spent, and reporting data fields required by U.S. Treasury. Reporting 

template will be created to identify files in process; files approved; files funded, AMI income ranges, 

SDI numbers; forms of assistance provided, and any other demographics required by Treasury. 

This reporting will be posted on MSHDA’s website and provided upon request. 

Our metrics of success will be 1) our ability to expend all funds prior to program deadline of 

September 30, 2026; 2) More than 45% of funded transactions are on government loans; and 3) 

more than 60% of funded transactions have attested to being qualified as SDI and at 100% or less 

AMI, and 60% of SDI households at more than 100% AMI.

The request from Treasury to consider additional metric numbers of homeowners 

assisted/foreclosure prevented solely through counseling or legal services without payment of HAF 

funds to resolve the homeowner’s defaults or delinquencies is concerning to Michigan. Our office 

can refer ineligible clients to either a HUD approved counseling agency for financial capabilities/rebudgeting assistance or to a non-profit legal service to aide in other foreclosure prevention efforts, 

however obtaining what could be considered as personal information on a homeowner would 

violate PII data protections. What we will and can do is provide financial assistance using this 

program to aid in the work being done by allocating funds for counseling agencies and non-profit 

legal services from HAF, and we will require confirmation of those clients funded with HAF and 

those without HAF funding. No homeowner detail will be required by these agencies.

Program Launch is expected to be statewide in fourth quarter 2021 subject to the Department of

U.S. Treasury approval of our MIHAF plan. MSHDA board has approved our draft plan and once we 

obtain approval from US Treasury, we will update the board if there are any significant adjustments 

or changes.

Pilot Program is being launched the first week of November 2021 promoting the program to 

MSHDA delinquent clients. We will complete a slow pilot allowing us to evaluate our program 

design, IT system and process flows prior to launching to the public when we obtain Treasury 

approval. 

Program Duration and Timeline with period of performance for the MIHAF program begins on 

the date hereof and ends on September 30, 2026. All file funding must take place prior to end date 

of program. Based on state need we expect program term to be closer to four years.

Submission of Plan August 12, 2021, version two November 5, 

2021

Treasury Review and Approval November 15, 2021

Program Launch December, 2021

Audit and Oversight tasks will be completed through a random sample pull of transactions prior

to funding; selecting a maximum of 5% of applications received and decisioned. MSHDA will also 

complete quarterly audits to assure compliance with program guidelines and homeowner 

eligibility. Yearly financial audits will be conducted through MSHDA’s approved financial audit 

organization and a yearly program audit will be conducted through athird-party agency yet to be 

determined. MSHDA believes in strong oversight of all federally funded programs.
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MSHDA’s Capacity and Readiness to implement the MIHAF program will be accomplishedby 

utilizing management staff that oversaw the Michigan Step Forward program. The Operations 

Manager of the program has over 13 years with MSHDA, and we will depend on four Team Leads to 

manage the various stages of the process. We have over 10 years of operation experience managing 

a very similar program funding over $769 million to aid statewide struggling homeowners and

assist with blight elimination in 20 different cities.

We will rely on hiring up to 40 limited-term or contract employees to handle the intake and triage,

audit, funding, and reporting processes. Our state has contracted with Michigan 211, a non-profit 

organization to serve as the call center support, and our non-profit counseling agencies will assist 

with homeowner’s face-to-face discussions and applications. Lining up all this experience will allow 

us to have a very smooth and successful program.

MSHDA is currently on track to launch to the public approximately 2-3 weeks after obtaining 

Treasury plan approval. We have posted limited term positions to hire the necessary staff that will 

work in the operations center and will bring them on immediately following Treasury plan 

approval. 

At time of initial plan submission, Michigan did not plan to launch a pilot program. Since that time, 

we have re-evaluated a pilot and plan to launch a very controlled pilot on existing delinquent 

MSHDA homeowners. This pilot launched November 3, 2021. To date we have not used any of our 

10% administrative wired funds. We do expect to draw from our 10% within the next 30 days. We 

will use these received dollars for the pilot program and for our start-up administrative costs.

Marketing of our program will be a two-pronged plan. First, we will use MSHDA’s existing Public 

Relations and Marketing firms to assist in creating a plan to engage struggling homeowners through 

social and digital media, print advertising and promotion through various media sources. The 

second plan will be to complete a more grass roots marketing plan in the SDI targeted areas (see 

attached maps) by engaging with non-profit agencies, neighborhood associations, and faith-based

leaders in the areas of focus. This grass roots methodwill require us to think outside of the box with 

staff and volunteers placing door hangers in neighborhoods and promoting our program through 

public venues in community centers and churches. Experience with HHF proved that public 

engagement and being present at events generated greater public participation. Our media budget 

will have first year costs at the highest level and include up to 3 years of on-going continuous 

marketing thereafter.

Our marketing strategy for those with limited English proficiency is to use print advertising and 

media relations efforts targeting La Prensa (Spanish), and Arab American News (Arabic) will help us 

reach households that speak those languages. As we have in the past, we would have our ads 

translated into Spanish and Arabic for these publications. Direct mailers in the language of the 

target audience can be created. Direct mail lists for households in which foreign languages are 

spoken are also available. These lists can be screened against homeowners and income. Using an 

income level of less than $73k (the median Michigan income according to HUD) yields the 

following:

Spanish - 45,776

Arabic - 13,944

Farsi - 1,306

Cantonese - 403

TOTAL = 61,249
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Digital advertising in the language of our target audience can also be created. Digital media buying 

allows for targeting of foreign language speakers. For example, Facebook lists numerous 

languages, including all the top languages spoken in Michigan.

If television proves to be a viable option, we can buy commercials in programming targeting nonEnglish speakers, and deliver creative content that includes translated voiceover and/or closed 

captioning.

With respect to the culturally relevant questions, we see two primary opportunities. On one hand, 

we want to use a tone and message that our target audience finds appealing and that engenders 

trust. In short, we want to position MSHDA as an ally. To that end, we should consider testing our 

messaging among our target audience segments. This could be accomplished using surveys or 

interviews with the MSHDA mortgage holders targeted during the soft launch period. 

Alternatively, focus groups or online surveys of target segments outside of those who hold MSHDA 

mortgages could be fielded.

Another option is to remove or reduce cultural relevance as a factor in the communication. 

Instead of messaging that seems to go out of its way to appeal to a given culture or audience 

segment, we use messaging focused entirely on program benefits. Or rather than using photos 

depicting a target culture, race, or ethnicity, we use culturally neutral graphics or images. A good 

bit of our work has relied on this approach to communicate effectively while avoiding potentially 

complicating factors such as the race of who depict in a photo.

Public and Community Partner Engagement was accomplished through extensive outreach. We 

posted Michigan’s proposed Program detail and term sheet and outlined our launch plan to 

community partners, lending associations, and lenders/ servicers, County Treasurers, and 

Condominium Associations that participated in our previous Hardest Hit state program. Michigan 

has been working on a statewide housing plan and included these participating organizations in 

our request for public comment. Many discussions were had with the Michigan Poverty Law 

Program, the MSHDA approved Counseling agencies, the Michigan Bankers Association, the 

Michigan Credit Union League, and the Michigan Mortgage Lenders Association. Monthly 

meetings have been established with the MBA, MCUL and MMLA members to discuss affordable 

housing initiatives along with actions that we are taking to launch the MIHAF program. There has

been open dialog and open discussion on what is the best plan for Michigan and our office has 

been pleased with feedback and suggestions. 

The request for public comment was posted on MSHDA’s website and was open from June 28th to 

July 9th, 2021. We received a total of 26 posted comments and included them and our responses in 

a Q& A document that is posted on our Michigan HAF website. Comments and suggestions that 

were of great value and included by Treasury as an eligible expense were inserted into our

program and plan outline. As program progresses, we will continue to engage with our counseling 

and legal partners to assess homeowners needs as their hardships or circumstances change which 

may require us to expand or adjusts guidelines. Public comment paper is being attached through 

the Treasury on-line portal.

Community Needs Assessment shows the coronavirus pandemic crisis has had a deep impact on

Michigan homeowners. The pandemic has necessitated the closing of schools and businesses, 

imperiled lives and wrought great changes to many facets of life. The effects of these events have 

also tended to have different effects among population groups and have tended to exacerbate 

already-existing lines of inequality in society—namely income and racial disparities.

The purpose of this brief analysis is to highlight the needs that Michigan homeowners have in the

face of living with the pandemic and its effects for more than a year. The sources we used confirmed 
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the required targets by US Treasury. Specific racial groups have a higher delinquency and have a 

high percentage of income going towards housing costs. Those same individuals also are showing 

little confidence in ability to make payments. Government loans also tend to have a higher 

concentration of delinquencies, yet conventional loan volume is on the rise in Michigan. This could 

be attributed to condition of homes at time of purchase. Overall black individuals are showing a 

20% delinquency/default rate and 19% are currently in a forbearance. All the data sources were 

analyzed by our team, and we are committed to marketing to these populations in the geographic 

areas identified through our mapping. 

To begin to understand how the state’s homeowners have fared, it is important to see what their 

situation was in 2019 before the pandemic hit. Census information from the 2019 American 

Community Survey on selected monthly homeowner costs (owing to mortgages, taxes, utilities, 

and other costs) overall and by race or ethnicity is presented in the table below. While it is true 

that a significant proportion of households in the state have mortgage payments that include 

either or both taxes and insurance, all these payments need to be made to occupy a unit. 

Therefore, the data on total monthly owner costs that households must pay is illustrative of the 

level of expenditure a household needs to make tomaintain a stable housing situation.

Race or Ethnicity

Home

Value

Shelter

Burden (%)

Selected

Monthly

Owner

Costs

Tax

Payment

Mobile

Home

Payment

Electricity

Payment

Other Fuel

Payment

Gas

Payment

Insurance

Payment

Primary

Mortgage

Payment

Second

Mortgage

Payment

White $ 220,342 19.0 $ 1,165 $ 234 $ 183 $ 155 $ 84 $ 10 $ 74 $ 1,035 $ 367

Black $ 139,545 22.3 $ 1,027 $ 182 $ 207 $ 192 $ 77 $ 12 $ 62 $ 957 $ 328

Native American $ 143,808 20.3 $ 910 $ 170 $ 107 $ 150 $ 90 $ 10 $ 63 $ 733 $ 463

Asian $ 322,215 17.6 $ 1,626 $ 376 $ 295 $ 146 $ 76 $ 9 $ 82 $ 1,603 $ 436

Hawaiian or Pacific Islander $ 153,438 17.5 $ 1,076 $ 234 $ 471 $ 166 $ 165 $ 10 $ 54 $ 719 $ 343

Other Race $ 142,714 18.4 $ 914 $ 179 $ 179 $ 162 $ 67 $ 10 $ 58 $ 926 $ 297

Two or More Races $ 198,793 22.5 $ 1,235 $ 231 $ 310 $ 172 $ 77 $ 10 $ 71 $ 1,018 $ 374

Non-Hispanic $ 218,872 19.2 $ 1,169 $ 235 $ 186 $ 157 $ 84 $ 10 $ 74 $ 1,044 $ 369

Hispanic $ 162,486 19.2 $ 1,060 $ 198 $ 181 $ 158 $ 78 $ 9 $ 63 $ 966 $ 305

Grand Total $ 217,151 19.2 $ 1,166 $ 234 $ 259 $ 157 $ 83 $ 10 $ 74 $ 1,041 $ 368

Around the state, selected monthly costs averaged just under $1,200 per month. This expenditure

accounted for about 19% of the average homeowner’s monthly income. Racialand ethnic

differences do exist in these two basic statistics. For example, Black and multiracial households

tended to pay a higher percentage of their incomes for shelter thanother groups. Asian and other 

racial homeowners tended to pay less. Also, about 22% of homeowners with mortgages paid more

than 30% of their monthly income on these costs.

Keeping the fact that in many cases a mortgage payment is inclusive of taxes and insurance,the data 

on general average costs of these items is also interesting. Taxes for the most part were most 

expensive for Asian, white and Hawaiian/Pacific Islander households, and significantly less so for 

Native Americans and those of other racial backgrounds. Non- Hispanics also tended to pay more in 

property taxes than Hispanics do. Insurance payments made by Asian households were the highest, 

at about $82 monthly. Both Hawaiian/Pacific Islanders and those of other races paid less than $60

per month.

Differences in utility payments are also visible in the data. Electricity tended to be more expensive

for Black households than for all other racial or ethnic groups, at $192 compared with an overall 

average payment of $157. Asian households tended to have the lowestelectric bills.

So, the situation sketched out by these statistics shows that homeowners averaged about 20% of 

their incomes going for housing costs. Differences in continuing affordability can beseen between 

racial and ethnic groups, with minority populations often paying more for shelter in a general way 

than white households did. The advent of the pandemic, with all ofits detrimental effects, worsened 

these issues. This can be seen by looking at a special dataset that the Census Bureau constructed, as 
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well as mortgage information from the Federal Reserve and Black Knight Data & Analytics LLC.

A simple way to measure the distress that Michigan homeowners are undergoing can be found in 

investigating the prevalence of late payments on mortgages. The data come fromresponses to the 

US Bureau of the Census’ Household Pulse surveys, a roughly bi-weekly survey that have been 

completed since the beginning of the coronavirus pandemic. It provides data on national, state, and 

major metropolitan area trends, and measures how people across the country are coping with the

pandemic’s effects.

Across Michigan, about 7.5% of persons aged 18 or over were not current on their mortgageat the

end of May 2021. That figure had been around 10% earlier in the year and started the time series 

at just over 6% back in May of 2020. The chart below shows the change over time in responses to 

this question. The data have been smoothed by using a two-period moving average, to make the

trends slightly more visible:

The Detroit Metropolitan Area has often had higher rates of late payments than either the state or 

the U.S. Here, late payments spiked to nearly 14% in early 2021, but have generallyimproved since.

The data indicate that there are large differences between racial groups in this statistic. For example, 

as of the latest pulse survey, Blacks have a rate of late payment three times that ofwhites and Asians 

(21% vs. 7%).

Income differences are also present. Persons making less than $50,000 a year had a late payment 

rate double that of persons earning between $50,000 and $100,000 (16% vs. 8%). Only three 

percent of those who had incomes over $100,000 paid their mortgage late.
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Relatedly, differences among education levels work in the same way. Those 

without a high school diploma have a significantly higher rate of late payment 

than others; 13% in this group were not current on their mortgage in late May 

2021, compared with 8% of personswith either a high school degree or some 

college. People holding bachelor’s degrees had a lower rate, at about5%.

Another question on the Household Pulse survey that is useful for measuring the 

broad parameters of need refers to the likelihood of respondents needing to leave 

their homes in the next two months due to foreclosure. The chart below shows 

how this indicator has changed over time and compares the state’s figure with the 

U.S. and the Detroit MetropolitanArea.

All three of the lines show an upward trend in this statistic over the last two surveys.

As of the latest pulse survey (incorporated into the moving average for the 

last data point in the chart), about 19% of adult Michiganders with late 

payments on their mortgages say that foreclosure is either very likely or 

somewhat likely to happen to them, soon.

The same differences along racial lines that were highlighted in the late 

payment data exist here as well. About a third of Black adults late on payments 

expected to be foreclosed upon,versus 15% of whites in the same situation. 

Other groups that have higher-than-average proportions include persons aged 

between 40 and 54, those with some college experience and/or associate 

degrees, widowed or divorced/separated individuals, single-person

households, those with children present in their households, the unemployed, 

persons earning less than $35,000 per year, and those using the Supplemental 

Nutrition Assistance Program.

A third question in the Pulse survey covers the confidence that a household’s 

current mortgage payment can be made. The chart below shows the percentage 

of respondents thathad less than a high degree of confidence that the payment

would be made.
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Through most of the pandemic period, a substantial portion of Michigan’s 

adults (around30%) had little confidence that they could pay their mortgage 

on time. Conditions improved after early 2021, but even today roughly one in 

five Michiganders is still in thissituation. The rate in the Detroit metropolitan

area is closer to one in four.

As in the other indicators, there are stark differences based on race and 

ethnicity. In the most recent survey, nearly 48% of Hispanic adults reported a 

lack of payment confidence, compared to just 17% of whites. The percentage of 

Black adults answering this way was 41%. Other groups seemed to bear a 

disproportionately large burden as well, including adults with less than at least 

some college education, divorced individuals, those who haveexperienced a

loss of employment income, and those that earn less than $50,000.

One of the possible responses that survey takers are given to answer this 

question is thattheir next payment either was, or would be, deferred. The 

chart below shows how this variable has changed over time.
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The answers to this question show a bit more variability than the confidence 

question. At no time during the pandemic did more than 3%of respondents 

indicate that theirpayments would be deferred. Later during this period, about 

1.5% of adults in Michigan were in this group, with a slight indication of an

increase in this percentage.

Some of the patterns that are present in other questions are here as well. For 

example, about 1.3% of whites and 6% of Asian adults who responded to the 

latest survey reported a deferral, while no Black or Hispanic adults did. While 

it is unlikely that no members of these groups had their payments deferred, a 

very small number doing so is plausible. In addition, deferral seems to be more 

common than average among adults witha GED or high school degree, those 

that are widowed or were never married, those living with children, those that

are currently employed, and those earning between $25,000 and

$34,999 (nearly 8% of this group, among the highest proportions of deferrals 

in the dataset).

The Federal Reserve/Black Knight data show how a large subset (about 80%) 

of existing mortgages are faring under today’s conditions. All told, the data 

show that there are about377,000 active mortgages in Michigan’s sample. 

About 88% are in urban areas. Another 78% are in non-low-income areas, and

86% are in low minority neighborhoods.

With a profile like this, it is not surprising that it shows relatively low 

percentages of both forbearance (3.5%) and delinquency (1.9%) in Michigan.

Both rates are comparable to the
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national average, though in terms of forbearance, Michigan is performing slightly better

than average. However, the overall figures mask important differences in population and

loan subgroups. For example, forbearance is more common in low-income areas than

higher income neighborhoods (4.7% vs. 3.2%). In addition, 5%of loans in high- minority 

areas are in forbearance, while 3.3% of loans in low-minority areas are in the same

situation. The pattern for delinquencies is similar, with higher incidences in both lowincome and high-minority areas than in other types of neighborhoods.

There are almost 13,000 loans in Michigan that are serviced by banks in the Federal

Reserve/Black Knight sample. It is similar in distribution to the overall figures, in that most 

of them are for properties in urban, non-low income and low- minority areas. Forbearance 

in this group of mortgages is significantly lower than the national average (2.1% vs. 3.4%), 

but there is a large difference in delinquencies (6.1% in Michigan vs. 2.5% nationwide). 

Delinquencies are also higher in general; about 17.4% of loans to properties in low-income 

neighborhoods are delinquent, along with 22.1% in areaswith large minority populations.

One of the concerns that has surfaced due to the coronavirus pandemic is its effects on

homeowners with FHA-insured or other government-assisted loans. That program’s

business plan—aiding those traditionally left out of homeownership by lowering down

payment amounts and allowing borrowers to have lower credit scores than competing

conventional loans—makes the loans it insures vulnerable to the conditions that existed 

throughout the pandemic.

Because of this, it is important to understand the context in which FHA loans have been

originated over the last few years. To that end, information from the Home Mortgage

Disclosure Act (HMDA) was analyzed. All loans in Michigan that were originated between

2015 and 2019 were included in the analysis, and those records were further filtered to

include those for one- to four-unit family dwellings that were the borrower’s principal

residence.

The chart below shows the trends in loan type (conventional, FHA-insured, USDAguaranteed or VA-guaranteed) over the study period. It shows plainly that more loans are

moving through conventional channels rather than with the aid of government assistance.

Over the last two years, FHA volume has decreased to about 20,000 originations from about

26,000 in 2015, while loans carrying either USDA or VA guarantees have numbered about

5,000 each. Conventional loans have accounted for about 85,000 in both years, and nearly

three in every four originated mortgages. These changes have occurred in a mortgage

market that has seen a relatively steady increase in overall originations since 2015;

however, the rate of increase has slowed rather drastically, from about 11% between 2015

and 2016 to just about 1% between 2018 and 2019.

HMDA data also show that racial disparities in the utilization of government insurance or

guarantees still exist, but not at the same rate as they did in 2015. Data regarding this topic

is charted on the next page. Black borrowers have made a large move towardsconventional 

loans. In 2015 about 35% of mortgages originated to these homeowners wereconventional 

in nature. By 2019, that percentage was just under 50%. Hispanic borrowers (of any race) 

had a similar trajectory, moving from 50% to 66% conventional during the same period. 

Asian homeowners had the highest rates of conventional lending through the period, at

around 90%.
Page 14

According to the Neighborhood Watch Early Warning System from HUD, about 6% of all FHA 

loans insured between 2019 and 2021 are currently seriously delinquent in their payment 

status. The chart below shows how this share has changed since the start of 2018.The trend

mirrors the onset of the coronavirus pandemic crisis, as the percentage skyrockets from

about 2% in Q1 2020 to 7% in Q3 of that same year. The present level does represent a 

decrease, but it is still higher that it was during most points in the recovery from the Great

Recession.
Page 15

The Neighborhood Watch Early Warning System includes data on the number of 

loans that were seriously delinquent in their first year. For the last year about 4,000 

loans per quarterwere in that category, representing about 7% of the total. This is 

slightly higher than the delinquency rate for all FHA loans, and signals those recent 

buyers are likely beingstressed financially by income and job-related issues.

The Federal Reserve/Black Knight data also has information about the performance 

of loansFHA, USDA, and VA loans regardless of their age. All told, these three sources 

account for 329,538 loans across the state; of these, FHA loans comprise a large

majority (227,649 out of the more than 329,000), followed by the VA and USDA.

In terms of both delinquency and forbearance, the state’s percentages are similar 

national levels. About 9% of FHA loans are at least 90 days delinquent, vs. 11% 

nationally.About 7% of USDA loans are in the same situation, along with 6% of VA

loans. The level of forbearance is slightly lower, at about 7% for FHA loans, and 5% 

of both USDA and VA loans.

Again, racial differences are evident; Black borrowers comprise about 20% of all 

seriouslydelinquent mortgages in the state, a percentage higher than their share of

households.

Similarly, 19% of loans in forbearance were taken out by Black homeowners.

The analysis of the housing needs of owner-occupied households’ points to the

depth of need that they have developed over the pandemic, through job losses, 

income shortfalls, andother stresses. These can be summed up as follows:
Page 16

• Race, ethnicity, and income continue to be lines of cleavage in Michigan, and the

pandemic has served to worsen these already-existing problems. For example, the

stark divide between the conditions that Black and white homeowners face has its

roots going back decades, but the job losses and health issues caused by the

pandemic tends to give them more strength.

• The pandemic has caused a massive decrease in low-wage and low-skill

employment. This has hit persons with low incomes and lower levels of education

attainment harder than more affluent, highly educated adults. As a result, lower

income individuals need help. The data presented in these surveys tends to

underline the difference in experiences between those earning less than $50,000 a

year, and those earning more than this. Relatedly, adults with at least some level of

college education seem to be faring better than others.

• There are also indications that non-family households, comprised of persons that

are widowed, divorced, or were never married, are more stressed in terms of

making mortgage payments than persons residing either in families or larger

households.

Targeting Outreach for HAF is with the data analysis in mind. To participate in the HAF

program, MSHDA must create a plan to communicate with homeowners that could be

eligible for aid. The program parameters put a premium on ensuring that key groups of

homeowners be reached with this information, including households earning under 100%

of Area Median Income, members of socially disadvantaged groups and owners that

participate in Federal homeowner assistance programs (FHA, USDA or VA loan guarantees

or insurance). In addition, MSHDA’s needs assessment uncovered several other data points

that indicate whether a household might have challenges in paying housing costs. These

include job loss, household size, and shelter overburden.

All this data can be used in the service of a communication strategy to ensure that those in

the most need will receive information on accessing HAF assistance. To do so, the following

variables were collected:

Percentage change in inquiries made to Michigan’s 2-1-1 service concerning utility

payment assistance between the second quarter of 2020 and the same quarter in 2021:

Maintaining utility services is vital to a stable housing environment. The percentage change

in this variable was included as a general measure of householder distress.

Delinquency and foreclosure rates, May 2021: This variable was also included as a

measure of householder distress. It is important to note that during this time forbearance

of loans was common, and evictions were subject to a moratorium. Part of the impetus for

the HAF is to ensure that homeowners owing on late payments are assisted in bringing their

loans to a paid status.

FHA, USDA, and VA loans: These variables were included because they were identified by

Treasury as important datapoints. In addition, since government assistance in home

mortgage loans tend to concentrate on lower-income borrowers, its loans are likely more at

risk of delinquency or foreclosure than conventional loans. The number of FHA loans in

each zip code was computed from census tract data, and the resulting sum was divided by

the total number of homeowners with mortgages. A similar method was used to determine

the number of USDA and VA loans per zip code, with an important difference—data from

the Home Mortgage Disclosure Act (HMDA) over the last five years was used to gauge
Page 17

where these loan types are more popular. The work assumes that the geographic pattern in

these loans have stayed stable.

Socially disadvantaged households: This data point comes from the Census’ American

Community Survey in 2019. It includes all homeowners except those that are either white

or non-Hispanic. This variable is included because it figures prominently in Treasury’s

program statements. It is also a strong predictor of financial distress among homeowners,

according to the Census’ Household Pulse surveys—a consistent racial component exists in

the ability of homeowners to afford their housing payments.

To measure this, the homeownership rate among socially disadvantaged households was

computed, as was the share of socially disadvantaged homeowners to all homeowners. The

resulting statistics were multiplied together, weighting the homeownership rate by the

relative size of the socially disadvantaged group.

100% Area Median Income share: Another variable that the Treasury noted was

important was the share of households earning less than 100% of area median income.

While eligibility for the program includes households with incomes less than 150% of AMI,

the program places a heightened emphasis on the lower 100% figure. This variable was

estimated by using income by tenure and household size data from the 2019 American

Community Survey and applying them to zip codes.

Single-member households: According to the Household Pulse survey, household size was

an important predictor of housing instability because of the coronavirus pandemic. To 

model this, the percentage of homeowners that were single-person households was 

included in the calculations.

Female heads of household with related children: Households with single female heads of

household with related children are often seen to be especially vulnerable to economic

shocks. This data was taken from the 2019 American Community Survey.

Coronavirus pandemic-related job losses: The Urban Institute has published their 

estimates of the numberof low-wage jobs that have been lost due to the pandemic. This 

variable uses the percentage of lost low-wage jobs to all jobs in a zip code.

Shelter overburden: This variable measures the percentage of mortgaged homeowners in

a zip code that pay more than 30% of their income on shelter costs, including loans, taxes,

insurance, and utilities. This is also a general measure of housing instability, and even

before the coronavirus pandemic hit about a quarter of Michigan’s owner-occupied 

households were in this situation.

The index was computed by counting the number of times a zip code had an above-average

score on any of the variables described above. The maximum score was 12 and would occur

for any zip that had above-average scores on all variables; however, no Michigan zip code

scored this high. The maps below show the geographic pattern of the index scores and

scoring sheet is outlined in exhibit 3.

All told, 296 zip codes around the state (about a third of the total) scored at least a six and

are colored either light or dark orange on the map. Forty-eight received a score of at least

nine and are shaded in dark orange.
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In conclusion, Michigan is not attempting to create an overly difficult plan. What we 

have learned from running the Hardest Hit program has given us experience to 

launch the new MIHAF program. No two homeowner’s situations are the same and 

due to this we must stay nimble in addressing their needs and work closely with 

their lenders to create a true form of help that will create sustainability and a 

resolution to their delinquency that was caused by the coronavirus pandemic. We 

will apply our funds either before a loan modification if that is the best plan for the 

homeowner, or we will apply our funds after a loan modification with a principal 

reduction. All investor guidelines will be followed. The goal of Michigan’s plan is to 

be good stewards of these funds while aiding as many homeowners as possible 

during this pandemic.

We will continuously work with all our community partners with outreach and 

marketing to guide homeowners to our on-line portal and to ensure we are focusing 

on the target audience of this program, which is government loans, selected income 

households and paying close attention to those households that are deemed socially 

disadvantaged.
Page 24

Exhibit 1

Michigan Homeowner 

AssistanceFund

(MIHAF) Term Sheet

Program: Michigan Homeowner Assistance Fund (MIHAF) 

Date: November 5, 2021

Program Overview This MIHAF program was established under section 3206 of the American Rescue 

Plan Act of 2021 (the ARP) to mitigate financial hardships associated with the 

coronavirus pandemic by providing funds to eligible entities for the purpose of 

preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of 

utilities or home energy services, and displacements of homeowners experiencing 

financial hardship on or after January 21, 2020, through qualified expenses related 

to mortgages and housing. 

HAF Program Goal To provide financial assistance to Michigan Eligible Homeowners to eliminate or 

reduce past due payments associated with homeownership, including payments 

under a forbearance plan, deferred payments, full or partial reinstatements, 

corporate advances on a Reverse mortgage, and past due payment on loans 

secured by manufactured home or contracts of deeds. To provide financial 

assistance to Michigan Eligible Homeowners to eliminate or reduce past due 

property tax, condominium association dues, and/or housing utility payments.

Size of MIHAF 

Program

Michigan State Housing Development Authority (the Authority) will utilize up to 

$206,086,279 (total award $242,812,277 less 15% administrative costs) of its total 

HAF allocation for this program. 

Targeted 

Population of 

Homeowners and 

Financial 

Challenges 

Program Seeks to 

Address

Not less than 60% of amounts made available for MIHAF program expenses will be 

used for qualified expenses to assist homeowners having incomes equal to or less 

than 100% of the area median income household limit in accordance with HUD’S 

FY 2021 HAF Income Limits. Any amount not made available to homeowners that 

meet this income-targeting will be used for qualified expenses to assist 

homeowners having incomes equal to or less than 150% area median income and 

will be prioritized for assistance to socially disadvantaged individuals as outlined in 

U.S. Department of the Treasury Guidance dated August 2, 2021. Program funds 

will be made available to assist all eligible homeowners on a first come, first serve 

basis. 

Eligible 

Homeowners 

“Eligible Homeowners” for Michigan’s MIHAF program must meet the following 

criteria:

• Homeowner must have experienced and attest to a Qualified Financial 

Hardship on or after January 21, 2020 or had a Qualified Financial Hardship 

that began before January 21, 2020 but continued after that date. The 

attestation must describe the nature of the financial hardship.

• Homeowner must currently own and occupy the property as their primary 

residence. 

• Homeowner must meet the Homeowner Income Eligibility Requirements. 
Page 25

Eligible Legal 

Ownership 

Structures

“Eligible Legal Ownership Structures” include only the following:

• Those where the home is owned by a “natural person” (i.e., LLP, LP, S-Corp, 

or LLC do not qualify). Where the estate of a deceased natural person is the 

ownership entity, the owner may be eligible, subject to review by the 

Authority.

• Those where the homeowner has transferred their ownership right into 

non- incorporated, Living Trusts, provided the homeowner occupies the 

home as the primary/principal residence.

• Those where the home is under a Purchaser’s Interest in a Land Contract 

valid under Michigan law.

• Those where the home is owned by a certificate of title. 

Qualified Financial 

Hardship

A “Qualified Financial Hardship” is a material reduction in income or material 

increase in living expenses associated with the coronavirus pandemic that has 

created or increased a risk of mortgage delinquency, mortgage default, 

foreclosure, loss of utilities or home energy services, or displacement for a 

homeowner.

• Reduction of Income – Temporary or permanent loss of earned income on 

or after January 21, 2020, or that began before January 21, 2020, but 

continued after that date.

• Increase in living expenses – Increase in out-of-pocket household expenses 

such as, medical expenses, inadequate medical insurance, increase in 

household size, or costs to reconnect utility services directly related to 

coronavirus pandemic on or after January 21, 2020, or that began before 

January 21, 2020, but continued after that date.

Homeowner

Income Eligibility 

Requirements

To be eligible for assistance under the Michigan’s MIHAF Program, homeowners 

must have incomes equal to or less than 150% of the area median income

household limit in accordance with HUD’S FY 2021 HAF Income Limits. 

(“Homeowner Income Eligibility Requirements”). 

Homeowner 

Prioritization

• The Authority will prioritize funding to the following populations: 

• Not less than 60% will be used for qualified expenses that assist 

homeowners having incomes equal to or less than 100% of the area median 

income. 

• Amounts not made available to homeowners that meet the above incometargeting requirement will be used to assist homeowners having household 

incomes equal to or less than 150% of area median income and prioritized 

for assistance to socially disadvantaged individuals as defined by the 

Department of U.S. Treasury’s guidance dated August 2, 2021. 

“Socially Disadvantaged Individuals” are those whose ability to purchase or own a 

home has been impaired due to diminished access to credit on reasonable terms 

as compared to others in comparable economic circumstances, based on 

disparities in homeownership rates in Michigan as documented by the U.S. Census. 

“Socially Disadvantaged Individuals” are those who have been subjected to racial or 

ethnic prejudice or cultural bias within American society because of their identities as 

members of groups and without regard to their individual qualities. Social 

disadvantage must stem from circumstances beyond their control.
Page 26

Indicators of socially disadvantage impairment may include being a 1) member of a 

group that has been subjected to racial or ethnic prejudice or cultural bias with 

American society; 2) resident of a majority-minority Census tract; 3) individual with 

limited English proficiency; 4) individual who lives in a persistent-poverty county 

that has had 20% or more of its population living in poverty over the last 30 years; 

5) single-member households, Female heads of households with related children 

and Shelter overburden households as supported in Michigan’s data analysis, and 

6) an individual who identifies and self-attests to being socially disadvantaged 

within the application process. 

Eligible Properties “Eligible Properties” are those that are:

• Single-family (attached or detached) properties

• Condominium units. 

• 1 to 4-unit properties where the homeowner is living in one of the units as 

their primary residence. 

• Manufactured homes permanently affixed to real property and taxed as real 

estate.

• Mobile homes not permanently affixed to real property.

Ineligible properties:

• Vacant, lacking a dwelling, or abandoned.

• 2

nd homes.

• Investment property.

• 1 to 4-unit properties where the homeowner/landlord has received 

Emergency Rental Assistance Funds. 

Eligible Qualified 

Expenses MIHAF 

Program Proceeds

Housing obligations as listed below and incurred by a Homeowner’s Qualified 

Financial Hardship on or after January 21, 2020, or had a Qualified Financial 

Hardship before January 21, 2020, but continued after that date are eligible 

“Qualified Expenses” of MIHAF Program Proceeds:

• Existing delinquent first mortgage lien payments (principal, interest, taxes, 

insurances (PITI)), escrow shortages, corporate advances. 

• Existing first mortgage lien partial or full forbearance reinstatement and/or 

delinquent monthly forbearance payments.

• Existing delinquent subordinate mortgage lien payment (P&I) and/or 

principal reduction or payoff of a non-profit/government bond second lien.

• Land Contract delinquent monthly payment (P&I). 

• Manufactured/mobile home delinquent loan monthly payment (P&I) and 

delinquent lot rent, if applicable. 

• Utilities, including electric, gas, home energy and water delinquent balances 

and costs to restore services, if arrearages not otherwise covered from 

another source of funds.

• Internet service, including broadband internet access, delinquent balances, 

and costs to restore services, if arrearages not otherwise covered from 

another federal assistance source of funds. 

• Homeowner’s association fees, condominium association fees or common 

charges, delinquent balances including costs for lien extinguishment.

• Homeowner’s hazard, flood and/or mortgage insurance delinquent 

balances, including force place coverage, and costs to reinstate coverage. 

• Delinquent property taxes, including assessed interest and penalties.

• Homeowner counseling/non-profit legal entity application assistance costs 
Page 27

• De minimis lender-assessed fees. 

Arrearages of qualified expenses are eligible for purposes of HAF regardless of the 

date they were incurred, including if arose before January 21, 2020, per U.S. 

Treasury guidance dated August 2, 2021. 

Exhibit A to this Program Design contains the other Treasury-required 

requirements, such as the maximum dollar amount that this program will provide 

to each homeowner for each type of qualified expense (“Per Item Maximum 

Amount”.)

Maximum Per 

Household MIHAF 

Assistance

The Authority will not exceed its “Maximum Per Household MIHAF Assistance” 

amount of $25,000 per household, combined across all Eligible Uses, in the MIHAF 

Program. 

Additionally, the Authority will not exceed its Per Item Maximum Amounts listed in 

Exhibit A. 

Additionally, assistance is limited to one-time, per household. 

Assistance Type Assistance will be structured as a non-recourse grant. 

Payout of MIHAF 

Assistance

The Authority will disburse MIHAF assistance directly to mortgage lender/servicer, 

land contract holder, manufactured/mobile home lender/park (lot fees), county 

treasurer, condominium/homeowners’ association, utility provider, local 

municipality, internet and/or broadband service providers. 

The Authority will make no more than one disbursement to each payee.

The Authority will disburse the amount quoted by the lender/servicer; any 

discrepancies to be resolved by the homeowner and lender/servicer. 

If Homeowner’s past due amount exceeds the amount that the Authority can 

provide, Homeowner may pay the difference, and the Authority will pay the 

maximum of their limit.

Structure of 

Assistance and 

Payment Process 

Description of 

Qualified Expenses

MIHAF assistance will be prioritized to Eligible “Qualified Expenses” of MIHAF 

Program Proceeds as follows:

1) Mortgage/housing loan reinstatement (including escrows), 

2) Land Contracts and Reverse Mortgages,

3) Property taxes, 

4) Condominium/homeowners’ association fees,

5) Mobile home and/or lot payment assistance,

6) Homeowner’s insurances,

7) Utilities,

8) Internet services. 
Page 28

Program Launch The Authority is planning to launch the program to the public statewide in the 

fourth quarter of 2021 subject to the timing of Michigan’s legislative appropriation 

of program funds to the Authority, MSHDA Board approval, and the Department of 

U.S. Treasury’s approval of Michigan’s MIHAF Plan. The terms hereof are subject to 

change based on the foregoing.

Program Duration The period of performance for the MIHAF award begins on the date hereof and 

ends on September 30, 2026. HAF recipient shall not incur any obligations to be 

paid with the funding from this award after such period of performance ends.

The Authority plans to disburse all funds prior to the end of program date, 

September 30, 2026.

Program Leverage 

with Other 

Financial 

Resources

The Authority will undertake best effort approach to leverage the assistance that 

might be available for homeowners through other federal programs that have 

been created expressly for that purpose before using MIHAF funds for utility 

assistance, for example.

Program 

Exclusions

Home repair/property improvement assistance. 

Exhibit A

Eligible Uses of MIHAF 

Program Proceeds

Per Item Maximum Amount Per 

Homeowner

Description of Intended Impact on 

Eligible Homeowners

Housing Payment 

Assistance (Mortgage, Land 

Contract, Mobile Home)

$25,000 Reinstate, avoid foreclosure, retain 

homeownership

Property Tax Assistance $25,000 Reinstate, avoid foreclosure, retain 

homeownership

Condominium Association 

Assistance

$10,000 in Maximum per 

Homeowner Amount 

Reinstate, avoid foreclosure, retain 

homeownership

Homeowner’s Insurances 

(Hazard, Flood or Mortgage)

$25,000 Reinstate and restore coverage

Utility Assistance $500 in Maximum per Homeowner 

Amount

Reinstate and restore services
Page 29

Exhibit 2 Program to 

Date Budget 

Revenues

HAF Homeowner Assistance 

242,812,277 

Investment Income-Restricted - 

Total Revenues, Gains & Other funding - 

Expenditures

HAF Homeowner Assistance-disbursed funds 206,086,279 

Professional Services 100,000 $25,000 per yearly audit x 4 years

Buildings, Leases & Equipment 175,200 730 sq. ft at $3,650 per month x 4 years

Travel Expense 50,000 

Information Tech & Commun. And system expenses 9,400,000 

Postage and Office Supplies 100,000 

Training 50,000 

Marketing/PR 1,172,675 First year at $572,675 and 3 years at 

$200,000

Wire, ACH & Bank Fees Expense 250,000 

Salaries & Indirect Expense 23,000,000 

.

Counselor/legal aid 

2,428,123 

Allocation of 1% of state award for 

assistance with HAF applicant and nonHAF applicants. Billed at $150 per 

counselor application assistance, $500 per 

legal aid to homeowners and up to $150 for 

counselors for homeowner counseling of 

HAF and non-HAF applicants.

Total Expenditures 

242,812,277 

Proposed Administrative costs excluding counselor and legal services at 14.13%

Maximum allowable of 15%
Page 30

Exhibit 3
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ZipName County STATEFP10 ZCTA5 GEOID10 Utilities Delinquency Foreclosure

Under

100%

AMI

Minority

Rate and

Share

FHA Loans Per

Mortgaged

Households

Single

Person

Households

FemaleHeads of

Householdswith

Related Children

Overburdened

Mortgaged

Households

COVID Lowincome Job

Loss

USDA

Loans

VA

Loans

Total

Score

Percent of

Maximum

Possible Score

Almont Lapeer 26 48003 2648003 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Romeo Macomb 26 48065 2648065 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Chelsea Washtenaw 26 48118 2648118 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dexter Washtenaw 26 48130 2648130 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Grosse Ile Wayne 26 48138 2648138 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Lakeland Livingston 26 48143 2648143 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Livonia Wayne 26 48154 2648154 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Grosse Pointe Wayne 26 48230 2648230 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Farmington Oakland 26 48335 2648335 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Clarkston Oakland 26 48348 2648348 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Highland Oakland 26 48357 2648357 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Lake Orion Oakland 26 48360 2648360 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Oxford Oakland 26 48371 2648371 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Milford Oakland 26 48380 2648380 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Fenton Genesee 26 48430 2648430 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Metamora Lapeer 26 48455 2648455 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Ortonville Oakland 26 48462 2648462 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Dewitt Clinton 26 48820 2648820 0 0 0 0 0 0 0 0 0 0 0 0 0 0

East Lansing Ingham 26 48825 2648825 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Mason Ingham 26 48854 2648854 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Westphalia Clinton 26 48894 2648894 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Nazareth Kalamazoo 26 49074 2649074 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Stevensville Berrien 26 49127 2649127 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Norvell Jackson 26 49263 2649263 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Ottawa Lake Monroe 26 49267 2649267 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Alto Kent 26 49302 2649302 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Belmont Kent 26 49306 2649306 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Cedar Springs Kent 26 49319 2649319 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Rockford Kent 26 49341 2649341 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Hamilton Allegan 26 49419 2649419 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Hudsonville Ottawa 26 49426 2649426 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Grand Rapids Kent 26 49544 2649544 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Michigamme Marquette 26 49861 2649861 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Quinnesec Dickinson 26 49876 2649876 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Chassell Houghton 26 49916 2649916 0 0 0 0 0 0 0 0 0 0 0 0 0 0

Clawson Oakland 26 48017 2648017 0 0 0 0 0 0 1 0 0 0 0 0 1 0.083333333

Franklin Oakland 26 48025 2648025 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Macomb Macomb 26 48042 2648042 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Macomb Macomb 26 48044 2648044 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Casco Saint Clair 26 48064 2648064 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Royal Oak Oakland 26 48067 2648067 0 0 0 0 0 0 1 0 0 0 0 0 1 0.083333333

Huntington Woods Oakland 26 48070 2648070 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Royal Oak Oakland 26 48073 2648073 0 0 0 0 0 0 1 0 0 0 0 0 1 0.083333333

Troy Oakland 26 48083 2648083 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Troy Oakland 26 48085 2648085 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Washington Macomb 26 48094 2648094 0 0 1 0 0 0 0 0 0 0 0 0 1 0.083333333

Troy Oakland 26 48098 2648098 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Ann Arbor Washtenaw 26 48109 2648109 0 0 0 0 0 0 0 0 0 1 0 0 1 0.083333333

Brighton Livingston 26 48114 2648114 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Brighton Livingston 26 48116 2648116 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

La Salle Monroe 26 48145 2648145 0 0 0 0 0 0 0 0 0 0 1 0 1 0.083333333

Livonia Wayne 26 48152 2648152 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Manchester Washtenaw 26 48158 2648158 0 1 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Maybee Monroe 26 48159 2648159 0 0 0 0 0 0 0 0 0 0 1 0 1 0.083333333

Milan Monroe 26 48160 2648160 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

New Hudson Oakland 26 48165 2648165 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Northville Wayne 26 48168 2648168 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Plymouth Wayne 26 48170 2648170 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Saline Washtenaw 26 48176 2648176 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

South Lyon Oakland 26 48178 2648178 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Bloomfield Hills Oakland 26 48301 2648301 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Bloomfield Hills Oakland 26 48304 2648304 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Rochester Oakland 26 48306 2648306 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Rochester Oakland 26 48309 2648309 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Sterling Heights Macomb 26 48313 2648313 0 0 0 0 0 0 0 0 0 0 1 0 1 0.083333333

Utica Macomb 26 48315 2648315 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Utica Macomb 26 48316 2648316 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Utica Macomb 26 48317 2648317 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Farmington Oakland 26 48331 2648331 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Highland Oakland 26 48356 2648356 0 0 0 0 0 0 0 0 0 0 1 0 1 0.083333333

Oakland Oakland 26 48363 2648363 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Leonard Oakland 26 48367 2648367 0 0 0 0 0 0 0 0 1 0 0 0 1 0.083333333

Novi Oakland 26 48374 2648374 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Milford Oakland 26 48381 2648381 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Commerce Township Oakland 26 48382 2648382 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

White Lake Oakland 26 48386 2648386 0 1 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Atlas Genesee 26 48411 2648411 0 1 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Attica Lapeer 26 48412 2648412 0 1 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Goodrich Genesee 26 48438 2648438 0 1 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Hadley Lapeer 26 48440 2648440 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Midland Midland 26 48642 2648642 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Bath Clinton 26 48808 2648808 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Eagle Clinton 26 48822 2648822 0 0 1 0 0 0 0 0 0 0 0 0 1 0.083333333

Fowler Clinton 26 48835 2648835 0 0 0 0 0 0 0 0 0 0 0 1 1 0.083333333

Grand Ledge Eaton 26 48837 2648837 0 0 0 0 0 0 1 0 0 0 0 0 1 0.083333333

Haslett Ingham 26 48840 2648840 0 0 0 0 0 0 0 0 0 1 0 0 1 0.083333333

Howell Livingston 26 48843 2648843 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Perrinton Gratiot 26 48871 2648871 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Kalamazoo Kalamazoo 26 49009 2649009 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Mattawan Van Buren 26 49071 2649071 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Richland Kalamazoo 26 49083 2649083 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Scotts Kalamazoo 26 49088 2649088 0 0 0 0 0 0 0 0 0 0 0 1 1 0.083333333

Eau Claire Berrien 26 49111 2649111 0 0 0 0 1 0 0 0 0 0 0 0 1 0.083333333

Grass Lake Jackson 26 49240 2649240 0 0 0 0 0 0 0 0 0 0 1 0 1 0.083333333

Comstock Park Kent 26 49321 2649321 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Dorr Allegan 26 49323 2649323 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Hopkins Allegan 26 49328 2649328 0 0 0 0 0 0 0 0 0 0 0 1 1 0.083333333

Middleville Barry 26 49333 2649333 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Sparta Kent 26 49345 2649345 1 0 0 0 0 0 0 0 0 0 0 0 1 0.083333333

Allendale Ottawa 26 49401 2649401 0 0 0 0 0 0 0 0 0 1 0 0 1 0.083333333

Grandville Kent 26 49418 2649418 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Jenison Ottawa 26 49428 2649428 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Marne Ottawa 26 49435 2649435 0 0 0 0 0 0 0 1 0 0 0 0 1 0.083333333

Williamsburg Grand Traverse 26 49690 2649690 0 0 0 0 0 0 0 0 0 1 0 0 1 0.083333333

Presque Isle Presque Isle 26 49777 2649777 0 0 0 1 0 0 0 0 0 0 0 0 1 0.083333333

Channing Dickinson 26 49815 2649815 0 0 0 0 0 0 1 0 0 0 0 0 1 0.083333333
Page 36

Foster City Dickinson 26 49834 26498340000010000001 0.083333333

Ishpeming Marquette 26 49849 26498490000000000011 0.083333333

Marquette Marquette 26 49855 26498550000000000011 0.083333333

Ralph Dickinson 26 49877 26498770000010000001 0.083333333

Sagola Dickinson 26 49881 26498810000000010001 0.083333333

Skandia Marquette 26 49885 26498850000100000001 0.083333333

Hubbell Houghton 26 49934 26499340000000000011 0.083333333

Nisula Houghton 26 49952 26499520000010000001 0.083333333

Painesdale Houghton 26 49955 26499550000000001001 0.083333333

Allenton Saint Clair 26 48002 26480020001000000012 0.166666667

Armada Macomb 26 48005 26480050000100100002 0.166666667

Birmingham Oakland 26 48009 26480090000001010002 0.166666667

Memphis Saint Clair 26 48041 26480410010000000102 0.166666667

New Haven Macomb 26 48050 26480500110000000002 0.166666667

Richmond Macomb 26 48062 26480620000000010102 0.166666667

Pleasant Ridge Oakland 26 48069 26480691000001000002 0.166666667

Berkley Oakland 26 48072 26480721000001000002 0.166666667

Troy Oakland 26 48084 26480840000100100002 0.166666667

Ann Arbor Washtenaw 26 48103 26481030000100001002 0.166666667

Ann Arbor Washtenaw 26 48105 26481050000100001002 0.166666667

Carleton Monroe 26 48117 26481170001000000102 0.166666667

Hamburg Livingston 26 48139 26481390001010000002 0.166666667

Lambertville Monroe 26 48144 26481441000000000102 0.166666667

Northville Wayne 26 48167 26481670000100100002 0.166666667

Pinckney Livingston 26 48169 26481690001000000012 0.166666667

Rockwood Wayne 26 48173 26481730000100000102 0.166666667

Canton Wayne 26 48187 26481870000100100002 0.166666667

Canton Wayne 26 48188 26481880000100100002 0.166666667

Whittaker Washtenaw 26 48190 26481900000110000002 0.166666667

West Bloomfield Oakland 26 48324 26483240100100000002 0.166666667

Clarkston Oakland 26 48346 26483461000000100002 0.166666667

Hartland Livingston 26 48353 26483530001000100002 0.166666667

Lake Orion Oakland 26 48362 26483620100000100002 0.166666667

Oxford Oakland 26 48370 26483700000000110002 0.166666667

White Lake Oakland 26 48383 26483831000000000102 0.166666667

Walled Lake Oakland 26 48390 26483901000001000002 0.166666667

Wixom Oakland 26 48393 26483931000000100002 0.166666667

Birch Run Saginaw 26 48415 26484150000000001012 0.166666667

Dryden Lapeer 26 48428 26484280110000000002 0.166666667

Auburn Bay 26 48611 26486110000000100012 0.166666667

Rhodes Gladwin 26 48652 26486520001000000012 0.166666667

Frankenmuth Saginaw 26 48734 26487341000000001002 0.166666667

Spruce Alcona 26 48762 26487620001001000002 0.166666667

Unionville Tuscola 26 48767 26487670001000000012 0.166666667

Dansville Ingham 26 48819 26488191000000010002 0.166666667

East Lansing Ingham 26 48823 26488230000001001002 0.166666667

Lakeview Montcalm 26 48850 26488500100000000012 0.166666667

Mulliken Eaton 26 48861 26488610000100000012 0.166666667

Okemos Ingham 26 48864 26488640000100001002 0.166666667

Portland Ionia 26 48875 26488750000000100012 0.166666667

Saint Johns Clinton 26 48879 26488790000000100012 0.166666667

Williamston Ingham 26 48895 26488951000000001002 0.166666667

Augusta Kalamazoo 26 49012 26490121000000000102 0.166666667

Portage Kalamazoo 26 49024 26490240000000100102 0.166666667

Coldwater Branch 26 49036 26490360000000001012 0.166666667

East Leroy Calhoun 26 49051 26490510000100100002 0.166666667

Galesburg Kalamazoo 26 49053 26490531000000100002 0.166666667

Saint Joseph Berrien 26 49085 26490851001000000002 0.166666667

Schoolcraft Kalamazoo 26 49087 26490871000000000012 0.166666667

Vicksburg Kalamazoo 26 49097 26490971000000000012 0.166666667

Berrien Springs Berrien 26 49103 26491030000000011002 0.166666667

Berrien Springs Berrien 26 49104 26491040000000001102 0.166666667

Bridgman Berrien 26 49106 26491060000000011002 0.166666667

Edwardsburg Cass 26 49112 26491120101000000002 0.166666667

Harbert Berrien 26 49115 26491150001000001002 0.166666667

Union Cass 26 49130 26491300001010000002 0.166666667

Hanover Jackson 26 49241 26492410100010000002 0.166666667

Montgomery Branch 26 49255 26492550001000000012 0.166666667

Petersburg Monroe 26 49270 26492700100000000102 0.166666667

Stockbridge Ingham 26 49285 26492851000000000012 0.166666667

Ada Kent 26 49301 26493011000100000002 0.166666667

Byron Center Kent 26 49315 26493151000100000002 0.166666667

Caledonia Kent 26 49316 26493161000100000002 0.166666667

Freeport Barry 26 49325 26493250000010100002 0.166666667

Kent City Kent 26 49330 26493300000000010012 0.166666667

Lowell Kent 26 49331 26493311000000100002 0.166666667

Sand Lake Kent 26 49343 26493430000000100012 0.166666667

Wayland Allegan 26 49348 26493480100000100002 0.166666667

Coopersville Ottawa 26 49404 26494040001000100002 0.166666667

Fremont Newaygo 26 49412 26494121000000000012 0.166666667

Fruitport Muskegon 26 49415 26494150100000001002 0.166666667

Grand Haven Ottawa 26 49417 26494170001000001002 0.166666667

Pentwater Oceana 26 49449 26494490000000011002 0.166666667

Saugatuck Allegan 26 49453 26494530000000011002 0.166666667

Grand Rapids Kent 26 49525 26495250000000101002 0.166666667

Grand Rapids Kent 26 49534 26495341001000000002 0.166666667

Grand Rapids Kent 26 49546 26495461000000001002 0.166666667

Cedar Leelanau 26 49621 26496210000000011002 0.166666667

Eastport Antrim 26 49627 26496270000110000002 0.166666667

Lake Leelanau Leelanau 26 49653 26496530000000011002 0.166666667

Mc Bain Missaukee 26 49657 26496570000000010012 0.166666667

Dafter Chippewa 26 49724 26497240001100000002 0.166666667

Ellsworth Antrim 26 49729 26497290001000001002 0.166666667

Johannesburg Otsego 26 49751 26497510001000000012 0.166666667

Petoskey Emmet 26 49770 26497700001000001002 0.166666667

Champion Marquette 26 49814 26498140010000000012 0.166666667

Felch Dickinson 26 49831 26498310100001000002 0.166666667

Negaunee Marquette 26 49866 26498661000000000012 0.166666667

Perkins Delta 26 49872 26498720000010001002 0.166666667

Rock Delta 26 49880 26498800001001000002 0.166666667

Vulcan Dickinson 26 49892 26498920001001000002 0.166666667

Atlantic Mine Houghton 26 49905 26499050000000011002 0.166666667

Ewen Ontonagon 26 49925 26499250000000001102 0.166666667

Houghton Houghton 26 49931 26499311000000001002 0.166666667

South Range Houghton 26 49963 26499630000001001002 0.166666667

Avoca Saint Clair 26 48006 26480060010000000113 0.25

Emmett Saint Clair 26 48022 26480220010000000113 0.25

Clinton Township Macomb 26 48038 26480380001001100003 0.25

New Baltimore Macomb 26 48047 26480471000000100103 0.25

North Street Saint Clair 26 48049 26480490001000000113 0.25

East China Saint Clair 26 48054 26480540011000010003 0.25

Fort Gratiot Saint Clair 26 48059 26480590101000000103 0.25

Washington Macomb 26 48095 26480950100000110003 0.25
Page 37

Ray Macomb 26 48096 26480960010001010003 0.25

Ann Arbor Washtenaw 26 48104 26481041000001001003 0.25

Ann Arbor Washtenaw 26 48108 26481081000100001003 0.25

Dundee Monroe 26 48131 26481310001000100103 0.25

Flat Rock Wayne 26 48134 26481340000100100103 0.25

Ida Monroe 26 48140 26481400010000100103 0.25

New Boston Wayne 26 48164 26481640101000000103 0.25

Samaria Monroe 26 48177 26481770100010000103 0.25

South Rockwood Monroe 26 48179 26481790001001000103 0.25

Temperance Monroe 26 48182 26481821001000000103 0.25

Whitmore Lake Washtenaw 26 48189 26481891001000010003 0.25

Willis Washtenaw 26 48191 26481910110100000003 0.25

Riverview Wayne 26 48193 26481930100000100103 0.25

Ferndale Oakland 26 48220 26482201001001000003 0.25

Grosse Pointe Wayne 26 48236 26482360100100100003 0.25

Bloomfield Hills Oakland 26 48302 26483020100100010003 0.25

Rochester Oakland 26 48307 26483071000100100003 0.25

Sterling Heights Macomb 26 48312 26483120000100010103 0.25

Sterling Heights Macomb 26 48314 26483140000101010003 0.25

West Bloomfield Oakland 26 48323 26483230100100010003 0.25

Auburn Hills Oakland 26 48326 26483260001001100003 0.25

Farmington Oakland 26 48334 26483341100100000003 0.25

Lake Orion Oakland 26 48359 26483591000100100003 0.25

Novi Oakland 26 48375 26483751000100100003 0.25

Novi Oakland 26 48377 26483770000101010003 0.25

Bancroft Shiawassee 26 48414 26484140000000010113 0.25

Deckerville Sanilac 26 48427 26484270001000000113 0.25

Holly Oakland 26 48442 26484420100000100103 0.25

Linden Genesee 26 48451 26484511100000000103 0.25

Minden City Sanilac 26 48456 26484560001000010013 0.25

PortHope Huron 26 48468 26484680001001010003 0.25

Ubly Huron 26 48475 26484750001001000013 0.25

Saginaw Saginaw 26 48603 26486030000100101003 0.25

Saginaw Saginaw 26 48609 26486090110000001003 0.25

Comins Oscoda 26 48619 26486190001000010013 0.25

Freeland Saginaw 26 48623 26486231000000101003 0.25

Hope Midland 26 48628 26486280110000010003 0.25

Midland Midland 26 48640 26486401000000101003 0.25

Sanford Midland 26 48657 26486571110000000003 0.25

Cass City Tuscola 26 48726 26487260001000010013 0.25

Deford Tuscola 26 48729 26487290001000010013 0.25

Millington Tuscola 26 48746 26487460001000000113 0.25

Munger Bay 26 48747 26487470100010010003 0.25

Owendale Huron 26 48754 26487540101000000013 0.25

Pigeon Huron 26 48755 26487550001001000013 0.25

Reese Tuscola 26 48757 26487570001000100013 0.25

Cohoctah Livingston 26 48816 26488160000010000113 0.25

Holt Ingham 26 48842 26488420000100100103 0.25

Howell Livingston 26 48855 26488551001000000013 0.25

Morrice Shiawassee 26 48857 26488570000010000113 0.25

Pewamo Ionia 26 48873 26488730000010000113 0.25

Riverdale Gratiot 26 48877 26488770000000011013 0.25

Saranac Ionia 26 48881 26488811000000100013 0.25

Shepherd Isabella 26 48883 26488831000000001013 0.25

Six Lakes Montcalm 26 48886 26488860001000010013 0.25

Weidman Isabella 26 48893 26488931000000001013 0.25

Portage Kalamazoo 26 49002 26490021000001000103 0.25

Allegan Allegan 26 49010 26490101000000000113 0.25

Burr Oak Saint Joseph 26 49030 26490300000000001113 0.25

Climax Kalamazoo 26 49034 26490341000000100013 0.25

Jones Cass 26 49061 26490610001010000013 0.25

Paw Paw Van Buren 26 49079 26490790101000000013 0.25

Plainwell Allegan 26 49080 26490800010000100013 0.25

South Haven Van Buren 26 49090 26490900001000100013 0.25

Union City Branch 26 49094 26490940000000101013 0.25

Vermontville Eaton 26 49096 26490960000000100113 0.25

Lakeside Berrien 26 49116 26491160000010011003 0.25

Clarklake Jackson 26 49234 26492340000000010113 0.25

Horton Jackson 26 49246 26492460100001000103 0.25

Leslie Ingham 26 49251 26492511000000000113 0.25

Onondaga Ingham 26 49264 26492640100000100013 0.25

Osseo Hillsdale 26 49266 26492660001000001013 0.25

Rives Junction Jackson 26 49277 26492770100000010013 0.25

Spring Arbor Jackson 26 49283 26492831000000000113 0.25

Casnovia Muskegon 26 49318 26493180000010000113 0.25

Howard City Montcalm 26 49329 26493290000000100113 0.25

Morley Mecosta 26 49336 26493360100000010013 0.25

Stanwood Mecosta 26 49346 26493460001000010013 0.25

Conklin Ottawa 26 49403 26494031001000010003 0.25

Fennville Allegan 26 49408 26494080110100000003 0.25

Macatawa Ottawa 26 49434 26494340001001001003 0.25

Mears Oceana 26 49436 26494360000100011003 0.25

Spring Lake Ottawa 26 49456 26494561001000001003 0.25

Grand Rapids Kent 26 49506 26495060000100101003 0.25

Arcadia Manistee 26 49613 26496130000000011013 0.25

Benzonia Benzie 26 49616 26496160000001011003 0.25

Beulah Benzie 26 49617 26496171000000001013 0.25

Fife Lake Kalkaska 26 49633 26496330000000011013 0.25

Honor Benzie 26 49640 26496400000000111003 0.25

Interlochen Grand Traverse 26 49643 26496431000000001013 0.25

Leroy Osceola 26 49655 26496550010000010013 0.25

Maple City Leelanau 26 49664 26496640000001011003 0.25

Mayfield Grand Traverse 26 49666 26496660000010101003 0.25

Northport Leelanau 26 49670 26496700000001011003 0.25

Omena Leelanau 26 49674 26496740100010001003 0.25

Sears Osceola 26 49679 26496790000010010013 0.25

Suttons Bay Leelanau 26 49682 26496820000100011003 0.25

Traverse City Grand Traverse 26 49684 26496840000001011003 0.25

Tustin Osceola 26 49688 26496880011000000013 0.25

East Jordan Charlevoix 26 49727 26497270010000001013 0.25

Hubbard Lake Alpena 26 49747 26497470001000010013 0.25

Iron Mountain Dickinson 26 49801 26498011010000000013 0.25

Allouez Keweenaw 26 49805 26498050000000101013 0.25

Bark River Delta 26 49807 26498070011000001003 0.25

Cornell Delta 26 49818 26498180001001001003 0.25

Arnold Marquette 26 49819 26498190001011000003 0.25

Little Lake Marquette 26 49833 26498330101001000003 0.25

Gwinn Marquette 26 49841 26498410010000100013 0.25

Loretto Dickinson 26 49852 26498520001011000003 0.25

Powers Menominee 26 49874 26498740001000001013 0.25

Wallace Menominee 26 49893 26498930001001001003 0.25

Wells Delta 26 49894 26498940001000001013 0.25

Wetmore Alger 26 49895 26498950001000011003 0.25
Page 38

Wilson Menominee 26 49896 26498960000000101013 0.25

Greenland Ontonagon 26 49929 26499290001011000003 0.25

Lake Linden Houghton 26 49945 26499450010001000013 0.25

Rockland Ontonagon 26 49960 26499600000110010003 0.25

Toivola Houghton 26 49965 26499650001000011003 0.25

Watton Baraga 26 49970 26499700000000011103 0.25

Capac Saint Clair 26 48014 26480140001100010014 0.333333333

Harsens Island Saint Clair 26 48028 26480280011001010004 0.333333333

Jeddo Saint Clair 26 48032 26480320011000000114 0.333333333

New Baltimore Macomb 26 48051 26480510100100100104 0.333333333

Columbus Saint Clair 26 48063 26480630111000010004 0.333333333

Madison Heights Oakland 26 48071 26480710010001100104 0.333333333

Saint Clair Shores Macomb 26 48081 26480810101001000104 0.333333333

Warren Macomb 26 48092 26480920101100000104 0.333333333

Gregory Livingston 26 48137 26481370101000010014 0.333333333

Livonia Wayne 26 48150 26481501000101000104 0.333333333

Monroe Monroe 26 48161 26481611001000100104 0.333333333

Monroe Monroe 26 48162 26481620101000100104 0.333333333

Detroit Wayne 26 48226 26482260101001010004 0.333333333

Sterling Heights Macomb 26 48310 26483100100100010104 0.333333333

Keego Harbor Oakland 26 48320 26483200100001110004 0.333333333

West Bloomfield Oakland 26 48322 26483221100100010004 0.333333333

Davisburg Oakland 26 48350 26483501100100100004 0.333333333

Applegate Sanilac 26 48401 26484010001000010114 0.333333333

Brown City Sanilac 26 48416 26484160101000000114 0.333333333

Carsonville Sanilac 26 48419 26484190001001000114 0.333333333

Columbiaville Lapeer 26 48421 26484210010000010114 0.333333333

Durand Shiawassee 26 48429 26484290110000000114 0.333333333

Fostoria Tuscola 26 48435 26484350000010010114 0.333333333

Gaines Genesee 26 48436 26484361000000010114 0.333333333

Imlay City Lapeer 26 48444 26484440100100010014 0.333333333

Kinde Huron 26 48445 26484450001000110014 0.333333333

New Lothrop Shiawassee 26 48460 26484600100010000114 0.333333333

Otisville Genesee 26 48463 26484630110000000114 0.333333333

Palms Sanilac 26 48465 26484650101000010014 0.333333333

Port Austin Huron 26 48467 26484670001001010014 0.333333333

Ruth Huron 26 48470 26484700001010100014 0.333333333

Vernon Shiawassee 26 48476 26484760000010100114 0.333333333

Flint Genesee 26 48502 26485020100010001104 0.333333333

Breckenridge Gratiot 26 48615 26486150100000100114 0.333333333

Hemlock Saginaw 26 48626 26486261100000001014 0.333333333

Houghton Lake Heights Roscommon 26 48630 26486300001000001114 0.333333333

Linwood Bay 26 48634 26486341110000000014 0.333333333

Lupton Ogemaw 26 48635 26486350001001110004 0.333333333

West Branch Ogemaw 26 48661 26486610011000010104 0.333333333

Caseville Huron 26 48725 26487250011001010004 0.333333333

Curran Alcona 26 48728 26487280001011010004 0.333333333

Glennie Alcona 26 48737 26487370001001010014 0.333333333

Lincoln Alcona 26 48742 26487420001001000114 0.333333333

Sebewaing Huron 26 48759 26487590001001000114 0.333333333

South Branch Ogemaw 26 48761 26487610001001010014 0.333333333

Tawas City Iosco 26 48763 26487630001001000114 0.333333333

Turner Arenac 26 48765 26487650001001000114 0.333333333

Twining Arenac 26 48766 26487660001000010114 0.333333333

Vassar Tuscola 26 48768 26487680101000010014 0.333333333

Bannister Gratiot 26 48807 26488070000010010114 0.333333333

Dimondale Eaton 26 48821 26488210000101100104 0.333333333

Eaton Rapids Eaton 26 48827 26488271100000000114 0.333333333

Elsie Clinton 26 48831 26488310000000110114 0.333333333

Fenwick Montcalm 26 48834 26488340000010010114 0.333333333

Ithaca Gratiot 26 48847 26488471000000101014 0.333333333

Laingsburg Shiawassee 26 48848 26488481010000000114 0.333333333

Lyons Ionia 26 48851 26488510100010000114 0.333333333

Maple Rapids Clinton 26 48853 26488530100010000114 0.333333333

Middleton Gratiot 26 48856 26488560001011010004 0.333333333

Muir Ionia 26 48860 26488600000010100114 0.333333333

Owosso Shiawassee 26 48867 26488671000000100114 0.333333333

Palo Ionia 26 48870 26488700000010010114 0.333333333

Perry Shiawassee 26 48872 26488720110000000114 0.333333333

Potterville Eaton 26 48876 26488760000100100114 0.333333333

Stanton Montcalm 26 48888 26488881001000010014 0.333333333

Vestaburg Montcalm 26 48891 26488911011000000014 0.333333333

Webberville Ingham 26 48892 26488920000000110114 0.333333333

Lansing Eaton 26 48917 26489170000101100104 0.333333333

Battle Creek Calhoun 26 49014 26490141000000101104 0.333333333

Bellevue Eaton 26 49021 26490211010000100014 0.333333333

Bronson Branch 26 49028 26490281000000101014 0.333333333

Ceresco Calhoun 26 49033 26490330110100001004 0.333333333

Dowling Barry 26 49050 26490500110010000014 0.333333333

Fulton Kalamazoo 26 49052 26490520000010110014 0.333333333

Gobles Van Buren 26 49055 26490550111000000014 0.333333333

Hastings Barry 26 49058 26490581000000100114 0.333333333

Hickory Corners Barry 26 49060 26490600010010010014 0.333333333

Lawrence Van Buren 26 49064 26490640001100000114 0.333333333

Lawton Van Buren 26 49065 26490650001001100014 0.333333333

Otsego Allegan 26 49078 26490781000000100114 0.333333333

Quincy Branch 26 49082 26490821000000110014 0.333333333

Riverside Berrien 26 49084 26490840000000101114 0.333333333

Vandalia Cass 26 49095 26490950101100100004 0.333333333

Berrien Center Berrien 26 49102 26491020000110110004 0.333333333

Buchanan Berrien 26 49107 26491070110000010014 0.333333333

Sawyer Berrien 26 49125 26491250001001011004 0.333333333

Three Oaks Berrien 26 49128 26491280100000011014 0.333333333

Jackson Jackson 26 49201 26492011100000100104 0.333333333

Brooklyn Jackson 26 49230 26492300000001011014 0.333333333

Cement City Lenawee 26 49233 26492330001000001114 0.333333333

Clinton Lenawee 26 49236 26492360001001001014 0.333333333

Munith Jackson 26 49259 26492591100010010004 0.333333333

Onsted Lenawee 26 49265 26492650101000001014 0.333333333

Pleasant Lake Jackson 26 49272 26492720110010001004 0.333333333

Chippewa Lake Mecosta 26 49320 26493200001011000014 0.333333333

Gowen Kent 26 49326 26493260100000110014 0.333333333

Grant Newaygo 26 49327 26493270000000110114 0.333333333

Moline Allegan 26 49335 26493350101011000004 0.333333333

Paris Mecosta 26 49338 26493380001001010014 0.333333333

Pierson Montcalm 26 49339 26493391000010000114 0.333333333

Remus Mecosta 26 49340 26493401011000000014 0.333333333

Branch Mason 26 49402 26494020001001010014 0.333333333

Hart Oceana 26 49420 26494200010100001014 0.333333333

Holland Ottawa 26 49423 26494230001100101004 0.333333333

Holland Ottawa 26 49424 26494240001100101004 0.333333333

Montague Muskegon 26 49437 26494370100000001114 0.333333333

Muskegon Muskegon 26 49445 26494451100000001104 0.333333333
Page 39

Walhalla Mason 26 49458 26494580001011000014 0.333333333

West Olive Ottawa 26 49460 26494601001000011004 0.333333333

Zeeland Ottawa 26 49464 26494641001100001004 0.333333333

Grand Rapids Kent 26 49512 26495120100100101004 0.333333333

Alden Antrim 26 49612 26496120001000011014 0.333333333

Bear Lake Manistee 26 49614 26496141000000011014 0.333333333

Bellaire Antrim 26 49615 26496150001000011014 0.333333333

Buckley Wexford 26 49620 26496201000000101014 0.333333333

Elk Rapids Antrim 26 49629 26496290001001011004 0.333333333

Empire Leelanau 26 49630 26496300001001011004 0.333333333

Filer City Manistee 26 49634 26496340000010001114 0.333333333

Frankfort Benzie 26 49635 26496350000001011014 0.333333333

Glen Arbor Leelanau 26 49636 26496360001001011004 0.333333333

Grawn Grand Traverse 26 49637 26496370000100011014 0.333333333

Hersey Osceola 26 49639 26496390001001100014 0.333333333

Kewadin Antrim 26 49648 26496480011000011004 0.333333333

Kingsley Grand Traverse 26 49649 26496490010000011014 0.333333333

Lake Ann Benzie 26 49650 26496500010100001014 0.333333333

Leland Leelanau 26 49654 26496540001001011004 0.333333333

Manistee Manistee 26 49660 26496600000001001114 0.333333333

Onekama Manistee 26 49675 26496750000001011014 0.333333333

Traverse City Grand Traverse 26 49686 26496861000000111004 0.333333333

Cedarville Mackinac 26 49719 26497190001000110104 0.333333333

Conway Emmet 26 49722 26497220001011001004 0.333333333

Grayling Crawford 26 49738 26497380011000001014 0.333333333

Harbor Springs Emmet 26 49740 26497400001001011004 0.333333333

Hawks Presque Isle 26 49743 26497430001001010014 0.333333333

Herron Alpena 26 49744 26497440001001010014 0.333333333

Kinross Chippewa 26 49752 26497520000100101104 0.333333333

Lachine Alpena 26 49753 26497530001001000114 0.333333333

Moran Mackinac 26 49760 26497600001100001014 0.333333333

Ossineke Alpena 26 49766 26497660011000100014 0.333333333

Paradise Chippewa 26 49768 26497680001000011014 0.333333333

Rudyard Chippewa 26 49780 26497800001100101004 0.333333333

Beaver Island Charlevoix 26 49782 26497820001001010104 0.333333333

Vanderbilt Otsego 26 49795 26497950001001000114 0.333333333

Kingsford Dickinson 26 49802 26498020010001100014 0.333333333

Au Train Alger 26 49806 26498060001001001014 0.333333333

Chatham Alger 26 49816 26498160001000011014 0.333333333

Cooks Schoolcraft 26 49817 26498170001100110004 0.333333333

Daggett Menominee 26 49821 26498210001001001014 0.333333333

Rumely Alger 26 49826 26498260100010001014 0.333333333

Engadine Mackinac 26 49827 26498270000100011014 0.333333333

Hermansville Menominee 26 49847 26498470001000001114 0.333333333

Norway Dickinson 26 49870 26498700110001100004 0.333333333

Amasa Iron 26 49903 26499030001011010004 0.333333333

Calumet Houghton 26 49913 26499130010001001014 0.333333333

Copper City Houghton 26 49917 26499170001001101004 0.333333333

Crystal Falls Iron 26 49920 26499200011001010004 0.333333333

Dodgeville Houghton 26 49921 26499210000110101004 0.333333333

Dollar Bay Houghton 26 49922 26499220001001110004 0.333333333

Gaastra Iron 26 49927 26499270101011000004 0.333333333

Lanse Baraga 26 49946 26499460000101101004 0.333333333

Marenisco Gogebic 26 49947 26499470001001011004 0.333333333

Mohawk Keweenaw 26 49950 26499500000001101014 0.333333333

Ontonagon Ontonagon 26 49953 26499531001001010004 0.333333333

Pelkie Houghton 26 49958 26499580001001011004 0.333333333

Trout Creek Ontonagon 26 49967 26499670001001011004 0.333333333

White Pine Ontonagon 26 49971 26499710000101001104 0.333333333

Fair Haven Saint Clair 26 48023 26480230111000101005 0.416666667

Goodells Saint Clair 26 48027 26480270101000010115 0.416666667

Hazel Park Oakland 26 48030 26480300010001101105 0.416666667

Clinton Township Macomb 26 48035 26480350101000101105 0.416666667

Marysville Saint Clair 26 48040 26480400011001100105 0.416666667

Harrison Township Macomb 26 48045 26480451001001101005 0.416666667

Saint Clair Saint Clair 26 48079 26480791101000000115 0.416666667

Saint Clair Shores Macomb 26 48080 26480801101001000105 0.416666667

Yale Saint Clair 26 48097 26480970111000000115 0.416666667

Allen Park Wayne 26 48101 26481010101100001105 0.416666667

Dearborn Wayne 26 48120 26481200101001101005 0.416666667

Newport Monroe 26 48166 26481660101100100105 0.416666667

Trenton Wayne 26 48183 26481831100001100105 0.416666667

Wyandotte Wayne 26 48192 26481920101001001105 0.416666667

Ypsilanti Washtenaw 26 48197 26481970101100101005 0.416666667

Waterford Oakland 26 48327 26483270101001100105 0.416666667

Waterford Oakland 26 48328 26483280101001100105 0.416666667

Waterford Oakland 26 48329 26483291011001000105 0.416666667

Farmington Oakland 26 48336 26483360100101100105 0.416666667

Bad Axe Huron 26 48413 26484131011001100005 0.416666667

Byron Shiawassee 26 48418 26484181110000000115 0.416666667

Clio Genesee 26 48420 26484201110000000115 0.416666667

Davison Genesee 26 48423 26484230100001100115 0.416666667

Decker Sanilac 26 48426 26484260001010010115 0.416666667

Filion Huron 26 48432 26484320111001000015 0.416666667

Forestville Sanilac 26 48434 26484340001011100015 0.416666667

Grand Blanc Genesee 26 48439 26484391100100100105 0.416666667

Lapeer Lapeer 26 48446 26484460110000010115 0.416666667

North Branch Lapeer 26 48461 26484610100000110115 0.416666667

Otter Lake Lapeer 26 48464 26484640110000010115 0.416666667

Port Sanilac Sanilac 26 48469 26484690001001011015 0.416666667

Sandusky Sanilac 26 48471 26484710001001100115 0.416666667

Coleman Midland 26 48618 26486181000001011015 0.416666667

Farwell Clare 26 48622 26486220001000111015 0.416666667

Kawkawlin Bay 26 48631 26486311110000010015 0.416666667

Lake George Clare 26 48633 26486330101011001005 0.416666667

Luzerne Oscoda 26 48636 26486360001001011105 0.416666667

Merrill Saginaw 26 48637 26486371100000110015 0.416666667

Oakley Saginaw 26 48649 26486490100010010115 0.416666667

Rose City Ogemaw 26 48654 26486540001001010115 0.416666667

East Tawas Iosco 26 48730 26487300011001010105 0.416666667

Elkton Huron 26 48731 26487311001000110015 0.416666667

Fairgrove Tuscola 26 48733 26487330001001010115 0.416666667

Hale Iosco 26 48739 26487390001001010115 0.416666667

Kingston Tuscola 26 48741 26487411001000010115 0.416666667

Mikado Alcona 26 48745 26487451001100000115 0.416666667

National City Iosco 26 48748 26487480011001000115 0.416666667

Belding Ionia 26 48809 26488090100000110115 0.416666667

Charlotte Eaton 26 48813 26488131110000000115 0.416666667

Clarksville Ionia 26 48815 26488150110010100015 0.416666667

Corunna Shiawassee 26 48817 26488170110000100115 0.416666667

Crystal Montcalm 26 48818 26488180001000110115 0.416666667

Edmore Montcalm 26 48829 26488291010100010015 0.416666667

Fowlerville Livingston 26 48836 26488361001000100115 0.416666667
Page 40

Greenville Montcalm 26 48838 26488381100000100115 0.416666667

Henderson Shiawassee 26 48841 26488410000010110115 0.416666667

Lake Odessa Ionia 26 48849 26488491011000000115 0.416666667

Orleans Ionia 26 48865 26488650010010010115 0.416666667

Rosebush Isabella 26 48878 26488780101000101015 0.416666667

Sidney Montcalm 26 48885 26488850001011000115 0.416666667

Sunfield Eaton 26 48890 26488900110000010115 0.416666667

Woodland Barry 26 48897 26488970010110000115 0.416666667

Lansing Ingham 26 48933 26489330101010001105 0.416666667

Kalamazoo Kalamazoo 26 49004 26490041100101100005 0.416666667

Kalamazoo Kalamazoo 26 49008 26490080011001101005 0.416666667

Breedsville Van Buren 26 49027 26490270001011010015 0.416666667

Burlington Calhoun 26 49029 26490290100010101015 0.416666667

Centreville Saint Joseph 26 49032 26490320010000101115 0.416666667

Decatur Van Buren 26 49045 26490450001101010015 0.416666667

Delton Barry 26 49046 26490461011001000015 0.416666667

Marshall Calhoun 26 49068 26490681001001001015 0.416666667

Martin Allegan 26 49070 26490700100100100115 0.416666667

Nashville Barry 26 49073 26490731110000000115 0.416666667

Sherwood Branch 26 49089 26490890110000101015 0.416666667

Tekonsha Calhoun 26 49092 26490920001000111105 0.416666667

Baroda Berrien 26 49101 26491010111101000005 0.416666667

New Buffalo Berrien 26 49117 26491170001001111005 0.416666667

Niles Berrien 26 49120 26491200111000100105 0.416666667

Sodus Berrien 26 49126 26491261100100100015 0.416666667

Addison Lenawee 26 49220 26492200001001101015 0.416666667

Allen Hillsdale 26 49227 26492270001011000115 0.416666667

Camden Hillsdale 26 49232 26492320001000110115 0.416666667

Clayton Lenawee 26 49235 26492350001001100115 0.416666667

Concord Jackson 26 49237 26492371100000100115 0.416666667

Deerfield Lenawee 26 49238 26492380100010001115 0.416666667

Homer Calhoun 26 49245 26492451000000101115 0.416666667

Jonesville Hillsdale 26 49250 26492500011000001115 0.416666667

Manitou Beach Lenawee 26 49253 26492531001001001015 0.416666667

Morenci Lenawee 26 49256 26492561101000010015 0.416666667

North Adams Hillsdale 26 49262 26492620011000011015 0.416666667

Parma Jackson 26 49269 26492691100000100115 0.416666667

Pittsford Hillsdale 26 49271 26492710111000001015 0.416666667

Springport Jackson 26 49284 26492841110000000115 0.416666667

Tipton Lenawee 26 49287 26492870111000010015 0.416666667

Waldron Hillsdale 26 49288 26492881101000000115 0.416666667

Bailey Muskegon 26 49303 26493030000011001115 0.416666667

Blanchard Isabella 26 49310 26493100110000011015 0.416666667

Mecosta Mecosta 26 49332 26493320101001010015 0.416666667

Newaygo Newaygo 26 49337 26493370001001110015 0.416666667

Rodney Mecosta 26 49342 26493421110000010015 0.416666667

Trufant Montcalm 26 49347 26493470100010100115 0.416666667

Custer Mason 26 49405 26494050001001011015 0.416666667

Douglas Allegan 26 49406 26494060001011101005 0.416666667

Free Soil Mason 26 49411 26494110001100011015 0.416666667

Hesperia Oceana 26 49421 26494211001000100115 0.416666667

Holton Muskegon 26 49425 26494251100000001115 0.416666667

Muskegon Muskegon 26 49440 26494400001011001105 0.416666667

Nunica Ottawa 26 49448 26494480111100010005 0.416666667

Pullman Allegan 26 49450 26494500100110100105 0.416666667

Scottville Mason 26 49454 26494540010000111015 0.416666667

Grand Rapids Kent 26 49503 26495030001101101005 0.416666667

Grand Rapids Kent 26 49504 26495040001001101105 0.416666667

Grand Rapids Kent 26 49508 26495080100100101105 0.416666667

Wyoming Kent 26 49509 26495090101100100105 0.416666667

Wyoming Kent 26 49519 26495190101100100105 0.416666667

Grand Rapids Kent 26 49548 26495480100100101105 0.416666667

Cadillac Wexford 26 49601 26496011001000101015 0.416666667

Alba Antrim 26 49611 26496110000010101115 0.416666667

Central Lake Antrim 26 49622 26496220011000001115 0.416666667

Evart Osceola 26 49631 26496311001001010015 0.416666667

Falmouth Missaukee 26 49632 26496320001001100115 0.416666667

Irons Lake 26 49644 26496440001001011015 0.416666667

Lake City Missaukee 26 49651 26496511101000010015 0.416666667

Luther Lake 26 49656 26496560001001011105 0.416666667

Manton Wexford 26 49663 26496631011000010015 0.416666667

Merritt Missaukee 26 49667 26496670100010110015 0.416666667

Rapid City Kalkaska 26 49676 26496760101000011015 0.416666667

South Boardman Kalkaska 26 49680 26496800100000011115 0.416666667

Wellston Manistee 26 49689 26496890000001011115 0.416666667

Atlanta Montmorency 26 49709 26497090001001010115 0.416666667

Barbeau Chippewa 26 49710 26497100001011010105 0.416666667

Brutus Emmet 26 49716 26497160000110011015 0.416666667

Burt Lake Cheboygan 26 49717 26497170001011001015 0.416666667

Charlevoix Charlevoix 26 49720 26497200001001111005 0.416666667

Cheboygan Cheboygan 26 49721 26497210001001011015 0.416666667

Drummond Island Chippewa 26 49726 26497260001001010115 0.416666667

Eckerman Chippewa 26 49728 26497280001100011015 0.416666667

Elmira Otsego 26 49730 26497300011000001115 0.416666667

Frederic Crawford 26 49733 26497330001000110115 0.416666667

Gaylord Otsego 26 49735 26497350001000101115 0.416666667

Goetzville Chippewa 26 49736 26497360001011010105 0.416666667

Hulbert Chippewa 26 49748 26497480101000011015 0.416666667

Indian River Cheboygan 26 49749 26497490001001001115 0.416666667

Millersburg Presque Isle 26 49759 26497590111001010005 0.416666667

Onaway Presque Isle 26 49765 26497650011001010015 0.416666667

Pickford Chippewa 26 49774 26497740001101010105 0.416666667

Posen Presque Isle 26 49776 26497760111000010015 0.416666667

Rogers City Presque Isle 26 49779 26497790011000100115 0.416666667

Kincheloe Chippewa 26 49788 26497880101000101105 0.416666667

Walloon Lake Charlevoix 26 49796 26497960001011011005 0.416666667

Big Bay Marquette 26 49808 26498080001111010005 0.416666667

Carney Menominee 26 49812 26498120001001011015 0.416666667

Curtis Mackinac 26 49820 26498200001001011015 0.416666667

Escanaba Delta 26 49829 26498290001000101115 0.416666667

Gladstone Delta 26 49837 26498370001000011115 0.416666667

Gulliver Schoolcraft 26 49840 26498400001101010015 0.416666667

Ingalls Menominee 26 49848 26498480001011001015 0.416666667

Mc Millan Luce 26 49853 26498530101001010015 0.416666667

Menominee Menominee 26 49858 26498580101001001015 0.416666667

Nahma Delta 26 49864 26498640001011110005 0.416666667

Newberry Luce 26 49868 26498680001100001115 0.416666667

Rapid River Delta 26 49878 26498780011001011005 0.416666667

Republic Marquette 26 49879 26498790001001110015 0.416666667

Seney Schoolcraft 26 49883 26498830001111000015 0.416666667

Stephenson Menominee 26 49887 26498870001001011015 0.416666667

Trenary Alger 26 49891 26498910001001111005 0.416666667

Alpha Iron 26 49902 26499020101011010005 0.416666667
Page 41

Bergland Ontonagon 26 49910 26499100001001011105 0.416666667

Bruce Crossing Ontonagon 26 49912 26499120101001011005 0.416666667

Covington Baraga 26 49919 26499190000010111105 0.416666667

Hancock Houghton 26 49930 26499300001001011015 0.416666667

Iron River Iron 26 49935 26499351101001100005 0.416666667

Mass City Ontonagon 26 49948 26499480001101011005 0.416666667

Sidnaw Houghton 26 49961 26499610001011110005 0.416666667

Skanee Baraga 26 49962 26499620100110011005 0.416666667

Wakefield Gogebic 26 49968 26499680101001011005 0.416666667

Watersmeet Gogebic 26 49969 26499690011001011005 0.416666667

Center Line Macomb 26 48015 26480150111001100106 0.5

Fraser Macomb 26 48026 26480260101001110106 0.5

New Haven Macomb 26 48048 26480480110100100116 0.5

Smiths Creek Saint Clair 26 48074 26480740011000101116 0.5

Southfield Oakland 26 48076 26480760100101110106 0.5

Saint Clair Shores Macomb 26 48082 26480820111001010106 0.5

Warren Macomb 26 48088 26480881101001100106 0.5

Warren Macomb 26 48093 26480931101101000106 0.5

Belleville Wayne 26 48111 26481110100101110106 0.5

Dearborn Wayne 26 48124 26481241101001100106 0.5

Dearborn Wayne 26 48126 26481260101000111106 0.5

Dearborn Heights Wayne 26 48127 26481270101001110106 0.5

Dearborn Wayne 26 48128 26481280101001110106 0.5

Westland Wayne 26 48185 26481850101001101106 0.5

Southgate Wayne 26 48195 26481951110001100106 0.5

Detroit Wayne 26 48201 26482010101001111006 0.5

Oak Park Oakland 26 48237 26482370100101110106 0.5

Redford Wayne 26 48239 26482390110101100106 0.5

Redford Wayne 26 48240 26482400110101100106 0.5

Burt Saginaw 26 48417 26484170000101011116 0.5

Flushing Genesee 26 48433 26484330100101010116 0.5

Harbor Beach Huron 26 48441 26484411011001010016 0.5

Lennon Genesee 26 48449 26484491110000010116 0.5

Lexington Sanilac 26 48450 26484500001001011116 0.5

Marlette Sanilac 26 48453 26484530101000110116 0.5

Melvin Sanilac 26 48454 26484540001010110116 0.5

Montrose Genesee 26 48457 26484571110000010116 0.5

Snover Sanilac 26 48472 26484720111000010116 0.5

Swartz Creek Genesee 26 48473 26484731110000100116 0.5

Alger Arenac 26 48610 26486100101001010116 0.5

Beaverton Gladwin 26 48612 26486121101001010016 0.5

Bentley Bay 26 48613 26486131100010011016 0.5

Brant Saginaw 26 48614 26486141100000110116 0.5

Houghton Lake Roscommon 26 48629 26486290001001110116 0.5

Pinconning Bay 26 48650 26486500100000111116 0.5

Prudenville Roscommon 26 48651 26486510101001010116 0.5

Roscommon Roscommon 26 48653 26486531001001010116 0.5

Saint Charles Saginaw 26 48655 26486551011000001116 0.5

Sterling Arenac 26 48659 26486590101000110116 0.5

Wheeler Gratiot 26 48662 26486620100110100116 0.5

Akron Tuscola 26 48701 26487011011001010016 0.5

Barton City Alcona 26 48705 26487050101101010016 0.5

Bay City Bay 26 48706 26487061100001101106 0.5

Bay Port Huron 26 48720 26487200101011010016 0.5

Black River Alcona 26 48721 26487210001011010116 0.5

Caro Tuscola 26 48723 26487231011001010016 0.5

Essexville Bay 26 48732 26487321100001101106 0.5

Gagetown Tuscola 26 48735 26487350001011110016 0.5

Greenbush Alcona 26 48738 26487381001001011016 0.5

Harrisville Alcona 26 48740 26487400011001010116 0.5

Long Lake Iosco 26 48743 26487430001011001116 0.5

Mayville Tuscola 26 48744 26487440111000010116 0.5

Oscoda Iosco 26 48750 26487501001001001116 0.5

Silverwood Lapeer 26 48760 26487600101101000116 0.5

Whittemore Iosco 26 48770 26487700101001010116 0.5

Ashley Gratiot 26 48806 26488060001011100116 0.5

Carson City Montcalm 26 48811 26488110101001100116 0.5

Elwell Gratiot 26 48832 26488320000110111016 0.5

Hubbardston Ionia 26 48845 26488450001011100116 0.5

Ionia Ionia 26 48846 26488461110000100116 0.5

Mcbrides Montcalm 26 48852 26488520001011110016 0.5

Mount Pleasant Isabella 26 48858 26488581011001101006 0.5

Pompeii Gratiot 26 48874 26488740001110010116 0.5

Saint Louis Gratiot 26 48880 26488801100000101116 0.5

Sheridan Montcalm 26 48884 26488841110000010116 0.5

Sumner Gratiot 26 48889 26488890101011001016 0.5

Kalamazoo Kalamazoo 26 49006 26490060011001101106 0.5

Athens Calhoun 26 49011 26490110100000111116 0.5

Coloma Berrien 26 49038 26490380101001101016 0.5

Kalamazoo Kalamazoo 26 49048 26490480110101100106 0.5

Leonidas Saint Joseph 26 49066 26490660100011011016 0.5

Marcellus Cass 26 49067 26490670101000110116 0.5

Mendon Saint Joseph 26 49072 26490721110000001116 0.5

Three Rivers Saint Joseph 26 49093 26490931100000101116 0.5

New Troy Berrien 26 49119 26491190100010111016 0.5

Union Pier Berrien 26 49129 26491290111001011006 0.5

Jackson Jackson 26 49202 26492021100001101106 0.5

Britton Lenawee 26 49229 26492290111000001116 0.5

Reading Hillsdale 26 49274 26492741001000110116 0.5

Tecumseh Lenawee 26 49286 26492861101000101016 0.5

Baldwin Lake 26 49304 26493040001101010116 0.5

Big Rapids Mecosta 26 49307 26493071001001101016 0.5

Shelbyville Allegan 26 49344 26493440110000110116 0.5

White Cloud Newaygo 26 49349 26493490011001010116 0.5

Ravenna Muskegon 26 49451 26494510100000111116 0.5

Walkerville Oceana 26 49459 26494590100100110116 0.5

Whitehall Muskegon 26 49461 26494611100000101116 0.5

Grand Rapids Kent 26 49505 26495051001001101106 0.5

Chase Lake 26 49623 26496230101001110106 0.5

Copemish Manistee 26 49625 26496250001011011016 0.5

Elberta Benzie 26 49628 26496280001111011006 0.5

Kalkaska Kalkaska 26 49646 26496460001000111116 0.5

Thompsonville Benzie 26 49683 26496830000111011016 0.5

Alanson Emmet 26 49706 26497060001100111016 0.5

Alpena Alpena 26 49707 26497071001001100116 0.5

Boyne City Charlevoix 26 49712 26497121101000011016 0.5

Boyne Falls Charlevoix 26 49713 26497130101001011016 0.5

Brimley Chippewa 26 49715 26497150001101101016 0.5

Carp Lake Emmet 26 49718 26497180001101011016 0.5

De Tour Village Chippewa 26 49725 26497250001101010116 0.5

Hillman Montmorency 26 49746 26497461011001010016 0.5

Levering Emmet 26 49755 26497550101001011016 0.5

Mackinac Island Mackinac 26 49757 26497570101100011016 0.5
Page 42

Naubinway Mackinac 26 49762 26497620001101011016 0.5

Oden Emmet 26 49764 26497640101011101006 0.5

Wolverine Cheboygan 26 49799 26497991001100001116 0.5

Deerton Alger 26 49822 26498220001011011016 0.5

Eben Junction Alger 26 49825 26498250001011011016 0.5

Garden Delta 26 49835 26498351011101010006 0.5

Germfask Schoolcraft 26 49836 26498360111001010016 0.5

Gould City Mackinac 26 49838 26498380001101011016 0.5

Munising Alger 26 49862 26498620001101011016 0.5

Palmer Marquette 26 49871 26498710100011110016 0.5

Perronville Menominee 26 49873 26498730001011001116 0.5

Shingleton Alger 26 49884 26498840100110011016 0.5

Spalding Menominee 26 49886 26498860001001111016 0.5

Ahmeek Keweenaw 26 49901 26499010101011001016 0.5

Caspian Iron 26 49915 26499150111011100006 0.5

Ironwood Gogebic 26 49938 26499381111001001006 0.5

Kearsarge Houghton 26 49942 26499420001011101016 0.5

Algonac Saint Clair 26 48001 26480011001001011117 0.583333333

Southfield Oakland 26 48033 26480330100101111107 0.583333333

Southfield Oakland 26 48034 26480340100101111107 0.583333333

Clinton Township Macomb 26 48036 26480360101001111107 0.583333333

Taylor Wayne 26 48180 26481800111001101107 0.583333333

Wayne Wayne 26 48184 26481840111001101107 0.583333333

Detroit Wayne 26 48202 26482020111101101007 0.583333333

Detroit Wayne 26 48208 26482080011101111007 0.583333333

Croswell Sanilac 26 48422 26484220011100101117 0.583333333

Genesee Genesee 26 48437 26484370110010101117 0.583333333

Burton Genesee 26 48509 26485090111101010107 0.583333333

Burton Genesee 26 48519 26485191111000101107 0.583333333

Saginaw Saginaw 26 48607 26486071101101011007 0.583333333

Fairview Oscoda 26 48621 26486210011001011117 0.583333333

Gladwin Gladwin 26 48624 26486241011001010117 0.583333333

Higgins Lake Roscommon 26 48627 26486270001011101117 0.583333333

Lake Clare 26 48632 26486321011001011017 0.583333333

Au Gres Arenac 26 48703 26487031001001011117 0.583333333

Bay City Bay 26 48708 26487080110001111107 0.583333333

Clifford Lapeer 26 48727 26487270101011010117 0.583333333

Ovid Clinton 26 48866 26488661110001100117 0.583333333

Winn Isabella 26 48896 26488960101011011017 0.583333333

Battle Creek Calhoun 26 49015 26490151110100101107 0.583333333

Bloomingdale Van Buren 26 49026 26490260101111010017 0.583333333

Cassopolis Cass 26 49031 26490310101100110117 0.583333333

Constantine Saint Joseph 26 49042 26490420100001111117 0.583333333

Covert Van Buren 26 49043 26490431001110010117 0.583333333

Grand Junction Van Buren 26 49056 26490560011101010117 0.583333333

Hartford Van Buren 26 49057 26490571001100110117 0.583333333

Nottawa Saint Joseph 26 49075 26490750101011001117 0.583333333

Olivet Eaton 26 49076 26490761110000110117 0.583333333

Sturgis Saint Joseph 26 49091 26490911010100101117 0.583333333

White Pigeon Saint Joseph 26 49099 26490991011001011017 0.583333333

Galien Berrien 26 49113 26491130111001001117 0.583333333

Jackson Jackson 26 49203 26492030110101101107 0.583333333

Hillsdale Hillsdale 26 49242 26492420101001111017 0.583333333

Jasper Lenawee 26 49248 26492480011111000117 0.583333333

Litchfield Hillsdale 26 49252 26492520001001111117 0.583333333

Michigan Center Jackson 26 49254 26492541000101101117 0.583333333

Napoleon Jackson 26 49261 26492610100110101117 0.583333333

Sand Creek Lenawee 26 49279 26492790011110100117 0.583333333

Somerset Center Hillsdale 26 49282 26492820001011011117 0.583333333

Barryton Mecosta 26 49305 26493051111001010017 0.583333333

Bitely Newaygo 26 49309 26493090101111010017 0.583333333

Brohman Newaygo 26 49312 26493120101111010017 0.583333333

Coral Montcalm 26 49322 26493220001011110117 0.583333333

Fountain Mason 26 49410 26494101011001110017 0.583333333

Ludington Mason 26 49431 26494311001001111017 0.583333333

Muskegon Muskegon 26 49441 26494411110001101107 0.583333333

Muskegon Muskegon 26 49442 26494421110100101107 0.583333333

New Era Oceana 26 49446 26494460111001001117 0.583333333

Twin Lake Muskegon 26 49457 26494571110000101117 0.583333333

Grand Rapids Kent 26 49507 26495070101100111107 0.583333333

Boon Wexford 26 49618 26496180001111001117 0.583333333

Brethren Manistee 26 49619 26496190011001011117 0.583333333

Harrietta Wexford 26 49638 26496380011010011117 0.583333333

Kaleva Manistee 26 49645 26496450101001011117 0.583333333

Reed City Osceola 26 49677 26496770101001110117 0.583333333

Mackinaw City Cheboygan 26 49701 26497010001101111017 0.583333333

Afton Cheboygan 26 49705 26497050101010101117 0.583333333

SaintIgnace Mackinac 26 49781 26497811001101001117 0.583333333

Sault Sainte Marie Chippewa 26 49783 26497831001101101107 0.583333333

Topinabee Cheboygan 26 49791 26497910001011011117 0.583333333

Grand Marais Alger 26 49839 26498390001111011017 0.583333333

Manistique Schoolcraft 26 49854 26498541011101010017 0.583333333

Nadeau Menominee 26 49863 26498630001011011117 0.583333333

Baraga Baraga 26 49908 26499081110100101107 0.583333333

Bessemer Gogebic 26 49911 26499111111001100017 0.583333333

Copper Harbor Keweenaw 26 49918 26499180001111011017 0.583333333

Ramsay Gogebic 26 49959 26499590111111100007 0.583333333

Mount Clemens Macomb 26 48043 26480430111101101108 0.666666667

PortHuron Saint Clair 26 48060 26480601111001101108 0.666666667

Roseville Macomb 26 48066 26480661111001101108 0.666666667

Southfield Oakland 26 48075 26480750110101111108 0.666666667

Erie Monroe 26 48133 26481330111101110108 0.666666667

Garden City Wayne 26 48135 26481351111001011108 0.666666667

Luna Pier Monroe 26 48157 26481570001111111108 0.666666667

Ypsilanti Washtenaw 26 48198 26481980101101111108 0.666666667

Highland Park Wayne 26 48203 26482030111101111008 0.666666667

Detroit Wayne 26 48206 26482060111101111008 0.666666667

Detroit Wayne 26 48207 26482070111101111008 0.666666667

Detroit Wayne 26 48209 26482090111100111108 0.666666667

Detroit Wayne 26 48210 26482100111100111108 0.666666667

Detroit Wayne 26 48211 26482110101101111108 0.666666667

Hamtramck Wayne 26 48212 26482120101101111108 0.666666667

Detroit Wayne 26 48213 26482130111101111008 0.666666667

Detroit Wayne 26 48215 26482150111101111008 0.666666667

Detroit Wayne 26 48216 26482160111101111008 0.666666667

Detroit Wayne 26 48217 26482170111101101108 0.666666667

Harper Woods Wayne 26 48225 26482250110101111108 0.666666667

Ecorse Wayne 26 48229 26482290101101111108 0.666666667

Peck Sanilac 26 48466 26484660111011010118 0.666666667

Flint Genesee 26 48506 26485060111001111108 0.666666667

Saginaw Saginaw 26 48604 26486041101101101108 0.666666667

Chesaning Saginaw 26 48616 26486161110000111118 0.666666667

Clare Clare 26 48617 26486171111000111108 0.666666667
Page 43

Harrison Clare 26 48625 26486250111001011118 0.666666667

Mio Oscoda 26 48647 26486471111001011108 0.666666667

Saint Helen Roscommon 26 48656 26486561111001010118 0.666666667

Bridgeport Saginaw 26 48722 26487220111101001118 0.666666667

Carrollton Saginaw 26 48724 26487240101111011108 0.666666667

Omer Arenac 26 48749 26487491101011001118 0.666666667

Prescott Ogemaw 26 48756 26487561111001110108 0.666666667

Alma Gratiot 26 48801 26488010111001101118 0.666666667

Lansing Ingham 26 48910 26489100111101101108 0.666666667

Lansing Ingham 26 48915 26489150111101101108 0.666666667

Kalamazoo Kalamazoo 26 49001 26490010111101101108 0.666666667

Kalamazoo Kalamazoo 26 49007 26490071110100111108 0.666666667

Bangor Van Buren 26 49013 26490130111100110118 0.666666667

Battle Creek Calhoun 26 49017 26490170111101101108 0.666666667

Colon Saint Joseph 26 49040 26490401011001011118 0.666666667

Dowagiac Cass 26 49047 26490470101101110118 0.666666667

Watervliet Berrien 26 49098 26490980011001111118 0.666666667

Blissfield Lenawee 26 49228 26492280111001011118 0.666666667

Hudson Lenawee 26 49247 26492470011001111118 0.666666667

Jerome Hillsdale 26 49249 26492490111000111118 0.666666667

Palmyra Lenawee 26 49268 26492680101101011118 0.666666667

Riga Lenawee 26 49276 26492760101111010118 0.666666667

Weston Lenawee 26 49289 26492890111011100118 0.666666667

Muskegon Muskegon 26 49444 26494441110100111108 0.666666667

Rothbury Oceana 26 49452 26494521000110111118 0.666666667

Eastlake Manistee 26 49626 26496260001111011118 0.666666667

Idlewild Lake 26 49642 26496420001111110118 0.666666667

Mancelona Antrim 26 49659 26496590011001111118 0.666666667

Marion Osceola 26 49665 26496651111001110018 0.666666667

Lewiston Montmorency 26 49756 26497561011001011118 0.666666667

Pointe Aux Pins Mackinac 26 49775 26497750101011011118 0.666666667

Trout Lake Chippewa 26 49793 26497930001111111018 0.666666667

Eastpointe Macomb 26 48021 26480210111101111109 0.75

Marine City Saint Clair 26 48039 26480390111001111119 0.75

Warren Macomb 26 48089 26480890111101111109 0.75

Melvindale Wayne 26 48122 26481220111101111109 0.75

Inkster Wayne 26 48141 26481410111101111109 0.75

Lincoln Park Wayne 26 48146 26481461111101101109 0.75

Romulus Wayne 26 48174 26481740111101111109 0.75

Westland Wayne 26 48186 26481861111101101109 0.75

Detroit Wayne 26 48204 26482040111101111109 0.75

Detroit Wayne 26 48205 26482050111101111109 0.75

Detroit Wayne 26 48214 26482141111101111009 0.75

Detroit Wayne 26 48219 26482190111101111109 0.75

Detroit Wayne 26 48221 26482210111101111109 0.75

Detroit Wayne 26 48223 26482230111101111109 0.75

Detroit Wayne 26 48224 26482240111101111109 0.75

Detroit Wayne 26 48227 26482270111101111109 0.75

Detroit Wayne 26 48228 26482280111101111109 0.75

Detroit Wayne 26 48234 26482340111101111109 0.75

Detroit Wayne 26 48235 26482350111101111109 0.75

Detroit Wayne 26 48238 26482380111101111109 0.75

Pontiac Oakland 26 48340 26483400111101111109 0.75

Pontiac Oakland 26 48342 26483420111101111109 0.75

Flint Genesee 26 48503 26485030111101111109 0.75

Flint Genesee 26 48504 26485040111101111109 0.75

Flint Genesee 26 48505 26485050111101111109 0.75

Burton Genesee 26 48529 26485291111001111109 0.75

Saginaw Saginaw 26 48638 26486381101101111109 0.75

Standish Arenac 26 48658 26486581111001011119 0.75

Lansing Ingham 26 48906 26489060111101111109 0.75

Lansing Ingham 26 48911 26489110111101111109 0.75

Lansing Ingham 26 48912 26489121111101101109 0.75

Benton Harbor Berrien 26 49022 26490220111101111109 0.75

Shelby Oceana 26 49455 26494550111100111119 0.75

Hessel Mackinac 26 49745 26497450011101111119 0.75

Pellston Emmet 26 49769 26497690111011111019 0.75

Warren Macomb 26 48091 2648091111110111110 10 0.833333333

Dearborn Heights Wayne 26 48125 2648125111110111110 10 0.833333333

River Rouge Wayne 26 48218 2648218111110111110 10 0.833333333

Pontiac Oakland 26 48341 2648341111110111110 10 0.833333333

MountMorris Genesee 26 48458 2648458011110111111 10 0.833333333

Flint Genesee 26 48507 2648507111110111110 10 0.833333333

Flint Genesee 26 48532 2648532111110111110 10 0.833333333

Saginaw Saginaw 26 48602 2648602111110111110 10 0.833333333

Battle Creek Calhoun 26 49037 2649037111110111110 10 0.833333333

Adrian Lenawee 26 49221 2649221011110111111 10 0.833333333

Albion Calhoun 26 49224 2649224111110110111 10 0.833333333

Mesick Wexford 26 49668 2649668111100111111 10 0.833333333

Saginaw Saginaw 26 48601 2648601111110111111 11 0.916666667
Page 44

Exhibit 4

GRANT NO. 

APPLICATION DATE:

EFFECTIVE DATE:

GRANT AMOUNT: 

MICHIGAN STATE HOUSING DEVELOPMENT AUTHORITY

MICHIGAN HOMEOWNER ASSISTANCE FUND

GRANT AGREEMENT

This GRANT AGREEMENT (this “Agreement”) is made and entered into as of the

(the “Effective Date”), by and between the MICHIGAN

STATE HOUSING DEVELOPMENT AUTHORITY, a public body corporate and politic, located

at 735 E. Michigan Avenue, Lansing, Michigan 48912 (the "Authority" or “MSHDA”), and

located at (the

“Homeowner” or the “Grantee”) (collectively, the “Parties”) to set forth the terms and conditions

under which MSHDA will provide grant assistance to the Homeowner to carry out the State of

Michigan’s Homeowner Assistance Fund Program, subject to the availability of funds, terms,

conditions, and limitations as set forth herein (the “Grant”).

RECITALS

WHEREAS, the United States Department of the Treasury (“U.S. Treasury”) established

the Homeowner Assistance Fund (“HAF”), which was established under Section 3206 of the

American Rescue Plan Act of 2021 (the “ARP”); and

WHEREAS, U.S. Treasury issued the HAF program funds to the Michigan State Budget

Office on behalf of the State of Michigan to mitigate financial hardships associated with the

coronavirus pandemic by providing funds to eligible entities for the purpose of preventing

homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home energy

services, and displacements of homeowners experiencing financial hardship (individually and

collectively, “Financial Hardship”) after January 21, 2020, through qualified expenses related to

mortgages and housing (the “HAF Program”); and

WHEREAS, the State of Michigan has delegated administration of the HAF Program to

MSHDA; and

WHEREAS MSHDA is the administrator of the Michigan HAF Program (“MIHAF”, and

henceforth the HAF Program and Michigan HAF Program will be collectively referred to herein

as “MIHAF”); and
Page 45

Exhibit 4

WHEREAS, Homeowner has suffered a Financial Hardship associated with the

coronavirus pandemic after January 21, 2020, and the proceeds of this Grant will be paid directly

to one or more of the providers in the bulleted list below (individually and collectively, the

“Provider”) for the benefit of the Homeowner to cover one or more qualified expense(s) authorized

by the MIHAF Program:

mortgage payment assistance – to the mortgage servicer (the “Servicer”),

delinquent property taxes – to the county treasurer (the “Treasurer”),

delinquent land contract – to the land contract seller (the “Vendor”),

delinquent condominium association dues – to the association (the

“Association”),

delinquent mobile home and/or lot rent payment assistance – to the mobile

home provider (the “Mobile Home Provider”), and

delinquent utilities – to the utility provider (the “Utility Provider”).

WHEREAS the Homeowner may be eligible for this Grant in the estimated amount of

$

(the “Grant Amount”) related to theHomeowner’s primary residence located at:

(the “Property”). The actual grant award amount will be determined by the Servicer, Treasurer,

Vendor, Association, Mobile Home Provider, and/or Utility Provider; and

WHEREAS the Property is located within the State of Michigan; and

WHEREAS MSHDA may award a grant to qualified homeowners whose incomes do not

exceed one hundred fifty percent (150%) of the median income for Michigan as set forth by the

United States Department of Housing and Urban Development (“HUD”); and

WHEREAS the Homeowner is a qualified homeowner meeting the MIHAF Program

requirements for the award of the Grant from MSHDA.

NOW, THEREFORE, in consideration of and as a condition to receiving the Grant, the

Homeowner agrees that:

1. Authority Act and Rules. MSHDA has been created and authorized under Act 346

of the Michigan Public Acts of 1966, as amended (the "Act"). All actions of the

Homeowner are subject to the terms of this Agreement, the provisions of the Act

and the Rules of MSHDA, being R 125.101, et seq (the “Authority Rules”). The

terms and conditions set forth herein are a reasonable and appropriate means to

assure the use of Grant funds in accordance with the Act and the Authority Rules.

2. Program Purpose. The Grant and its proceeds thereto shall only be used for the
Page 46

Exhibit 4

specific purposes defined herein to remedy housing-related delinquencies, including

imminent foreclosure prevention, property taxes, land contracts, mobile home fees

and/or lot rent, condominium fees, and utility costs (the “Specific Purposes”). The

Specific Purposes shall be limited to the period commencing on January 21, 2020 

and ending on the Effective Date of this Agreement.

3. Effective Date and Date of Completion. The effective date of this Agreement is

as noted above. Unless otherwise modified, suspended, or terminated by MSHDA,

as defined herein, this Agreement shall remain in effect until such time as the Grant

funds have been: 1) fully expended, or (2) fully returned to MSHDA, whichever

occurs first (“Date of Completion”).

4. The Provider. The Homeowner understands and agrees that this Grant and its

proceeds thereto shall be paid by MSHDA directly to the Provider as indicated

above on the Homeowner’s behalf. The Homeowner should not, under any

circumstances, directly receive grant funds, nor should the Homeowner receive any

refund of Grant funds from a Provider. Any Grant funds or excess Grant funds paid

to the Homeowner must be returned to MSHDA within thirty (30) days of receipt

by Homeowner.

5. Return and Recapture of Surplus Grant Funds. If the amount of Grant funds

paid to the Provider exceeds the Homeowner’s financial hardship, surplus funds will

either be applied to the Homeowner’s account for the Homeowner’s benefit or will

returned to MSHDA in accordance with MIHAF Program guidelines.

6. Material Reduction or Material Increase. The Financial Hardship, as defined

herein, resulted from a material reduction in income or material increase in living

expenses. MSHDA makes the determination as to whether the reduction or increase

is material, as set forth in its MIHAF Program Manual, as amended from time to

time.

7. Primary Residence. Homeowner represents and warrants to MSHDA that

Homeowner currently occupies the Property as Homeowner’s primary residence,

and that Homeowner intends to continue to occupy the Property as Homeowner’s

primary residence (the “Primary Residence”). Homeowner shall not obtain or use

Grant funds for any property other than the Primary Residence.

8. Fraud. Homeowner represents and warrants that the information Homeowner

provided on the application associated with this Agreement (the “Application”) for

purposes of obtaining MIHAF grant funds is true and correct, to the best of

Homeowner’s knowledge, and that the information is not submitted for any

fraudulent, improper, illegal purposes, or for any purpose other than for

Homeowner’s acceptance in the MIHAF Program. If it is found that Homeowner

knowingly submitted false or fraudulent information for the purpose of securing

this Grant, the full proceeds of this Grant may be recaptured and/or reallocated, and

any such obligation will become a personal obligation of Homeowner. Fraudulently

obtaining or misusing MIHAF grant funds may be a crime. By signing this

Agreement, Homeowner agrees that a representative from MSHDA and any

contractor or agent working on its behalf, and/or U.S. Treasury may contact

Homeowner regarding any questions or need for further information.

9. Termination. MSHDA may terminate this Agreement, in whole or in part, at any

time before the Date of Completion (as defined herein) whenever it is determined

that the Homeowner has failed to comply with the conditions of this Agreement or

in the event that funds are no longer available to MSHDA. Payments made to

recipients or recapture of funds by MSHDA shall be in accordance with the legal
Page 47

Exhibit 4

rights and liabilities of the Parties.

10. Suspension from the Program. If MSHDA discovers (a) evidence of fraud by the

Homeowner, (b) evidence of Homeowner’s failure to comply with this Agreement,

or (c) MIHAF grant funds are no longer available to MSHDA, MSHDA may, at its

discretion, suspend the Homeowner from the MIHAF Program and prevent further

electronic funds transfer or prohibit the Homeowner from incurring additional

obligations of grant funds, pending corrective action by the Homeowner, resumption

of funding from MSHDA, or a decision to terminate in accordance with this

Agreement.

11. Record Keeping. The Homeowner shall retain all financial records, supporting

documents, and all other pertinent records for a period of five (5) years, or for a

longer period of time if required by state or federal law, or if there is a legal dispute

or an open audit, records need to be retained at least until that dispute or audit is

resolved. The retention period shall commence from the Effective Date as defined

herein. These records will be made available for audit purposes to MSHDA and the

Auditor General of the State of Michigan, or any authorized representative.

12. Severability of Provisions. It is declared to be the intent of the Parties that if any

provision of this Agreement executed by both Parties or its application to any

persons or circumstances is adjudged by any court of competent jurisdiction to be

invalid, the court’s judgment shall not affect or invalidate the remainder of this

Agreement nor its application to other persons or circumstances, unless so provided

by the court or unless the severance of the invalid provision alters the basic intent

or purpose of this Agreement, would cause an increase of MSHDA’s financial

obligation, or renders impossible the compliance with any applicable statute,

regulation, limitation, guideline, and/or policy.

13. Amendments. This Agreement may only be amended by a written agreement

signed by MSHDA and the Homeowner.

14. Indemnification. The Homeowner agrees to indemnify, defend, and hold harmless

MSHDA, the State of Michigan, their officers, agents, and employees from any and

all claims and losses occurring or resulting, to any and all Homeowner(s) from any

and all claims and losses occurring or resulting to any person or Homeowner who

may be injured or damaged by the performance of this Agreement; and against any

liability, including costs and expenses, or rights of privacy.

15. Governing Law. This Grant and Grant Agreement, and the application or

interpretation hereof, shall be governed by and construed in accordance with the laws

of the State of Michigan, without regard to conflicts of law principles.

16. Federal Guidelines Subject to Change. Homeowner recognizes that the MIHAF

Program is a federal program administered by the U.S. Treasury, which may be

subject to program guideline changes issued after the date of this Agreement, and

Homeowner agrees to abide by the terms of subsequent or superseding federal

guidance. MSHDA makes no representation as to the tax implications of

participation in the MIHAF Program.

17. Acknowledgment and Independent Legal Counsel. By signing this document, the

Homeowner acknowledges having read and understood this document and the

requirements of the MIHAF program and having had sufficient opportunity to

consult independent counsel to answer any questions Homeowner may have about

this Agreement and any related documents thereto and the requirements of the

MIHAF program.

18. Counterparts. This Agreement may be signed in several counterparts (including by
Page 48

Exhibit 4

means of electronic transmission in portable document format (“PDF”) or

comparable electronic transmission), each of which shall be deemed an original, and

all so executed shall constitute one and the same instrument, binding on all parties

hereto.

THE REMAINDER OF THIS PAGE HAS BEEN INTENTIONALLY LEFT BLANK

SIGNATURE(S) APPEAR ON THE FOLLOWING PAGE(S)
Page 49

Exhibit 4

Signature Page

Michigan Homeowner Assistance Fund Grant Agreement

IN WITNESS WHEREOF, MSHDA and the Homeowner have executed this Agreement as of the

date first above written.

HOMEOWNER

Date: By:

Name (Printed)

HOMEOWNER

Date: By:

Name (Printed)
Page 50

Exhibit 4

Signature Page

Michigan Homeowner Assistance Fund Grant Agreement

MICHIGAN STATE HOUSING

DEVELOPMENT AUTHORITY

Date: By:

Mary Townley
Page 51

Exhibit 5

Michigan Homeowner Assistance Fund

Michigan State Housing Development Authority

Provider Participation Agreement

This Participation Agreement (Agreement) made this day of , 20 by and between the

Michigan State Housing Development Authority (MSHDA) and

(Provider), the undersigned, and hereby confirm their

mutual agreement on the following principles relating to the Michigan Homeowner Assistance Fund

(MIHAF).

RECITALS:

WHEREAS, MSHDA has created a federally funded program under its Michigan Homeowner Assistance

Fund (MIHAF) Program; and

WHEREAS the MIHAF program was established to mitigate financial hardships associated with the

coronavirus pandemic by providing funds to eligible entities, the Provider(s) as described herein, for the

purpose of preventing homeowner mortgage delinquencies, defaults, foreclosures, loss of utilities or home

energy services, and displacements of qualified homeowners (“Homeowners”) experiencing financial

hardship after January 21, 2020, through qualified expenses related to mortgages and housing, for the

benefit of those Homeowners; and

WHEREAS, Provider is mortgage-loan servicer, mortgage holder, County Treasurer, land contract vendor,

condominium association, or provider of public utilities, to whom one or more debts are owed that are

eligible as Qualified Expenses under the MIHAF; and

WHEREAS, if a mortgage-loan servicer or mortgage-holder, Provider is a State, Federal, or national bank

regulated by the Federal Reserve, a national bank or federally chartered bank regulated by the Office of the

Comptroller of the Currency (OCC), a state bank regulated by the Federal Deposit Insurance Corporation

(FDIC), a state or federal chartered credit union regulated by the National Credit Union Administration

(NCUA), a state-chartered bank, credit union, or mortgage servicing organization regulated by the

Michigan Department of Insurance and Financial Services (DIFS), or a governmental agency, that own the

mortgage servicing rights of mortgage loans and services certain mortgage loans for borrowers who may

be eligible to participate in the MIHAF program; or

WHEREAS, if a County Treasurer, Provider is the office of the duly designated receipt of real-property

taxes for a county of the State of Michigan, with statutory powers of collection and foreclosure pursuant to

the General Property Tax Act, Act 206 of 189; or

WHEREAS, if land-contract vendor, Provider is the vendor of an enforceable land contract governing real

property located within the State of Michigan, and possessing legitimate powers of forfeiture and/or

foreclosure pursuant to Michigan law; or
Page 52

WHEREAS, if a condominium association, Provider is a legally recognized entity with authority to

administer a condominium project located within the State of Michigan, and possessing a power of

foreclosure pursuant to the Michigan Condominium Act, Act 59 of 1978; or

WHEREAS, if a provider of public utilities, Provider is an entity that provides electric, gas, home energy,

water, internet service, or related goods and services to one or more residential properties within the State

of Michigan, possessing a power to discontinue such services in the event of non-payment by the affected

residents; and

WHEREAS, the above-defined Provider is able to document their authority to conduct business within the

State of Michigan; where Provider is a company, Provider is able to provide a certified copy of Articles of

Incorporation/Organization and certificate of Good Standing from the State of Michigan, or comparable

verification of legitimate organization, upon request by MSHDA; where Provider is a County Treasurer,

Provider is able to provide confirmation of same on County letterhead; where Provider is a land-contract

vendor, Provider is able to provider confirmation that Provider is the person or entity eligible to receive

payment under the terms of the land contract. If Provider is a non-Michigan business entity, Provider must

upon request provide a certified copy of Articles of Incorporation/Organization filed in the State of

Incorporation, together with a Certificate of Authority to transact business in Michigan; and

WHEREAS Provider desires to participate in the MIHAF Program; and

WHEREAS Provider understands that participation in the MIHAF Program is voluntary and is distinct from

Provider’s participation in any other local, state, or federal foreclosure prevention, eviction prevention, or

utility-access preservation programs; and

WHEREAS Provider and MSHDA desire to enter into this Agreement to set forth certain premises and

mutual covenants:

NOW, WHEREFORE, MSHDA and Provider agree as follows:

1. Application Process. Homeowners will access the MIHAF Program though an

online MIHAF application, or through a secure phone link, using systems established or designated

by MSHDA. Provider understands that it will not be involved in determining eligibility for MIHAF

Program, and that MSHDA shall make eligibility determinations according to its sole interpretation

of MIHAF program guidelines.

2. Selection/Qualification of Borrowers. MSHDA shall be responsible for the

selection/qualification of Homeowners to receive MIHAF Program funding. Provider may refer

potentially eligible borrowers to MSHDA, and Provider is encouraged but not required to market

the MIHAF Program. MSHDA shall make marketing materials available to Provider including web

graphics and brochures in pdf format. Providers may refer Homeowners to

or 1-866- for application to the MIHAF Program

3. Point of Contact. MSHDA shall provide a list of key contacts to Provider.

Provider agrees to provide a primary and secondary point of contact, and electronic funds transfer

information to MSHDA to facilitate communication and transfer of program funds (Exhibit A), 

and shall provide accessible contacts to MIHAF Program eligible Homeowners to address
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Provider’s participation in the MIHAF Program and the administration of MIHAF payments as to

Homeowner’s accounts with Provider.

4. ACH Payments. Provider shall promptly provide ACH transmission information to

MSHDA, as described in Exhibit A. Provider agrees that all MIHAF payments will be made via

ACH.

5. Information Sharing/Written Authorization. MSHDA shall be responsible for

procuring written authorization from each Homeowner to share information with Provider. A

copy of the signed authorization will be provided to Provider through secured e-mail or web

portal. Provider agrees to communicate information about the resolution of the assisted

Homeowner’s deficiency or default including suspension or termination of foreclosure or

forfeiture proceedings, or other resolution options, to MSHDA. MSHDA and Provider agree to

use a defined automated and secure process to submit borrowers to Provider for workout

consideration.

6. Transmission of Non-Public Personal Information. All communication that includes a

Homeowner’s Nonpublic Personal Information (as defined below) between MSHDA and

Provider shall be sent through encrypted e-mail, secure loan portal or other similar secure electronic

delivery system. MSHDA and Provider agree that they will maintain or implement appropriate

measures designed to (a) ensure the security and confidentiality of any Nonpublic Personal

information it received from the other party, (b) protect against any anticipated threats or hazards

to the security or integrity of such information, (c) protect against unauthorized access to or use of

such information that could result in substantial harm or inconvenience to the subject of such

information, (d) ensure the proper disposal of all Nonpublic Personal Information received from

the other party upon the termination of the Agreement for any reason, unless the information is

required to be retained for legal or regulatory record retention purposes, (e ) treat the Nonpublic

Personal Information with at least the same degree of care that it uses to protect its own confidential

and proprietary information of a similar nature but with no less than a reasonable degree of care,

and (f) implement or utilize appropriate technological safeguards that are at least in compliance

with the Gramm-Leach Bliley Act and generally recognized industry standards.

“Nonpublic Personal Information” means any information received from or provided by the other

party which pertains to or identifies an individual, such as name, postal address, e-mail or IP

address, facsimile or phone number, mother’s maiden name, social security, or identification

number, transactional, employment, financial data, medical or health records, personal, gender,

political profile, account, and password information.

7. Homeowner Assistance. Once a Homeowner is accepted to the MIHAF Program, Provider 

shall not initiate foreclosure, forfeiture, nor collections, and if the Homeowner is alreadyin the

foreclosure, forfeiture, or collections process, shall not continue such process during the termof

assistance. In the case of utility assistance, utility service shall be restored. Where a Homeowner’s 

obligations to Provider exceed the maximum assistance that the MIHAF Program will pay on 

Homeowner’s behalf, the MIHAF Program may still pay such benefits for the benefit of the

Homeowner, but any agreement addressing the remaining deficiency will be strictly between

Provider and Homeowner; neither MSHDA nor the MIHAF Program shall have any further

obligation as to such a deficiency, nor shall MSHDA participate in the resolution of, nor be a party
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to, any agreement resolving such a deficiency. Providers are encouraged but not required to

consider mechanisms for addressing such a deficiency that will delay the risk of additional default,

such as amortizing the deficiency into future payments due from Homeowner.

MSHDA and Provider agree that all MIHAF Program Homeowner assistance options will be

conducted in accordance with the MIHAF program descriptions and requirements detailed in the

respective program term sheet(s), which are attached as Exhibit B and incorporated herein.

Although Homeowner may be eligible for more than one type of relief under the MIHAF Program,

Homeowner may only receive such relief one time, and once per home address: there shall be no

duplication of relief within the MIHAF program, or between the MIHAF program and any other

federal assistance programs. Provider recognizes that the MIHAF program is a federal program

administered by the U.S. Treasury, may be subject to program guideline changes issued after the

date of this agreement, and agrees to abide by the terms of subsequent or superseding federal

guidance.

Provider agrees the program guidelines may be amended by MSHDA from time to time. Provider

has reviewed the program term sheet and agrees to comply with all Program guidelines as outlined

by MSHDA. MSHDA will notify the primary contact provided by Provider of any program

amendments and/or changes. Provider is responsible to obtain any required investor and mortgage

insurer approval.

8. MIHAF Program Approval. Upon notification by MSHDA that a Homeowner has been

conditionally approved for MIHAF, Provider agrees to promptly accept or deny each Homeowner’s

participation in the MIHAF Program. Provider agrees that denial shall be only for good cause such

as pending litigation, potential fraud, bankruptcy restrictions, and foreclosure status or if denied by

investor or mortgage insurer for good cause.

9. MIHAF Program. Provider agrees to provide timely communication of Homeowner’s

deficiency status to the MSHDA, including sufficient information to identify that the correct

deficiency matched to the correct Homeowner, and the amount owed. Provider agrees to apply

MIHAF funds towards principal, interest, taxes, and insurance (collectively PITI). MSHDA agrees

Provider may apply such funds towards attorney’s fees, late charges and NSF fees, property

inspection fees, escrow shortage and/or delinquent property taxes, one year of standard

homeowner’s insurance if forced place insurance has been invoked, and other fees and expenses if

they are deemed an advance on Program funds towards delinquent property taxes.

10. Timing. Provider acknowledges that it is responsible for timely application of MIHAF

Program funds. Provider shall hold the Homeowner harmless if payments are not applied timely.

Provider agrees that it will timely provide MSHDA with written reports documenting application

of MIHAF Program funds or alternatively to provide MSHDA an exception report for any funds

that could not be applied. All remaining delinquencies identified after MIHAF funding must be

resolved between Homeowner and Provider. The period of performance for MIHAF Program

awards begins on the date hereof and ends on September 30, 2026, unless otherwise extended by

U.S. Treasury. Provider shall not be eligible to receive MIHAF Program funds after such period of

performance ends.
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11. Repayment of Funds. Where the Homeowner has an ongoing obligation to the Provider

that will continue after application of program funds to the deficiency, such as with an ongoing

mortgage loan, MSHDA agrees that Provider will not be required to repay amounts applied to a

borrower’s loan if that borrower is later determined to be ineligible. If the Provider is eligible to

retain excess funds and overages, those may be retained by Provider and applied for the benefit of

the Homeowner’s ongoing obligation. Provider may be required by MSHDA to demonstrate how

retained excess funds will be applied for the benefit of the homeowner, in such format as MSHDA

shall require. If Provider is not eligible to retain and apply excess assistance due to the lack of an

ongoing obligation or shall otherwise fail to apply Grant funds to the Homeowner’s housing

delinquencies, such unapplied funds are the property of MSHDA and shall be promptly returned to

Grantor within thirty (30) days of determination of excess funding, but in any event shall not be

paid directly to the Homeowner.

12. Homeowner Actions/Fraud. Provider agrees to promptly notify MSHDA in writing of

any ongoing legal action against a Homeowner, including fraud-related activities.

13. Cessation of Mortgage Payments. MSHDA agreesit will promptly provide notice beforeit

ceases payment of MIHAF Program funds to allow Provider time to evaluate the Homeowner for

other loss mitigation options.

14. MIHAF Program Eligibility. Provider agrees that it is not authorized or empowered to

determine and/or communicate to the Homeowner eligibility for MIHAF Program funds. MSHDA

agrees that it is not authorized or empowered to determine and/or communicate to the Homeowner

eligibility for foreclosure, forfeiture, or shut-off prevention programs of Provider. MSHDA retains

sole authority for its MIHAF Program eligibility determination and communication to the

Homeowner and Provider. Provider will communicate with Homeowner and MSHDA regarding

modification and other Provider-driven approvals.

15. Provider Legal Compliance Obligations. Provider recognizes and accepts that the

MIHAF Program is a federally funded grant program and acknowledges that failure to abide by

MIHAF Program terms may result in recapture of grant funds or other sanctions.

Provider will comply with local, state, and federal laws pertaining to discrimination, including,

but not limited to: the Fair Housing Act (42 U.S.C. 3601-19) and implementing regulations; Title

VI of the Civil Rights Act of 1964 (42 U.S.C. 2000d-2000d-4) and implementing regulations;

Title VIII of the Civil Rights Act of 1968 (as amended by the Fair Housing Amendments Act of

1988) and implementing regulations; the Age Discrimination Act of 1975 (42 U.S.C. 6101-07)

and implementing regulations; Title II of the Americans with Disabilities Act (42 U.S.C. 12101,

et seq); the Elliott-Larsen Civil Rights Act; and the Michigan Persons With Disabilities Civil

Rights Act.

16. Termination. Participation in the MIHAF Program is voluntary, and either Provider or

Homeowner may terminate their respective participation agreement without cause, with 30 days

written notice, unless or until MIHAF Program funds have been paid to Provider by MSHDA and

accepted by Provider for the benefit of the Homeowner. Either party may terminate immediately

upon material breach from the other party; in event of such termination, Provider shall accept and
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apply payments as agreed on behalf of a Homeowner already approved prior to the immediate

termination, or shall return applicable assistance funds to MSHDA, at Provider’s discretion.

Accepted and agreed to by:

Provider: 

By: 

Print: 

Its: 

Date: 

Address: 

Michigan State Housing Development Authority

By: 

Its: 

Date: