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Sentinel Staff HOLLAND An expanded homeownership program now offered in Michigan to aid homebuyers with their initial down payment is available in Holland. The Michigan State Housing Development Authority (MSHDA) announced in late February the expansion of its homeownership program by offering residents in select ZIP codes up to $10,000 in down payment assistance. The assistance called a DPA Loan is available to residents in 49010, 49078, 49417, 49423, 49424, 49428 and 49464 in Ottawa and Allegan counties. The loan is offered as a second mortgage for a maximum amount of $10,000 toward a down payment and closing costs. The program is a 0 percent, non-amortizing loan meaning the principal amount is due in full upon sale or transfer of the property, rather than monthly payments. ....