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Michigan Purchase Contracts & Seller Disclosures

Michigan does not issue a standard government purchase agreement for an ordinary home resale. If a real estate agent is involved, use the current agreement approved by the agent’s brokerage. Choose your situation:

Working with a real estate agent

Ask your agent which current brokerage-approved purchase agreement and addenda fit the property. Michigan REALTORS® publishes Form A and other transaction forms for the industry.

View Michigan REALTORS® forms

Buying or selling without an agent (FSBO)

Have a Michigan real-estate lawyer prepare or review the written agreement before anyone signs, and complete the statutory Seller’s Disclosure Statement when it applies.

See the FSBO contract options
Get the Seller’s Disclosure Statement before the seller signs

For most covered one-to-four-unit residential transfers, the seller must deliver the signed Seller’s Disclosure Statement before the seller executes a binding purchase agreement. If a required disclosure is delivered only after that, the buyer may have 72 hours after in-person delivery—or 120 hours after registered-mail delivery—to terminate in writing. That is not a general cooling-off period.

Read Michigan disclosure rules

PublicLegal does not sell or rebrand Michigan REALTORS® purchase-agreement forms. When association or brokerage forms are the right path, we point you there.

Michigan law and forms checked August 2026 · Sources include the Seller Disclosure Act (MCL 565.951–565.966), MCL 566.106/108, and Michigan REALTORS® forms materials

PublicLegal provides independent self-help guidance and links to Michigan primary sources. We do not sell or reproduce Michigan REALTORS® purchase agreements as a PublicLegal product.

An accepted purchase agreement can become legally binding. The Seller Disclosure Act’s 72-hour and 120-hour termination rights apply only when a required disclosure is delivered after the seller executes a binding purchase agreement—they are not a general cooling-off period for every Michigan home purchase.

Last reviewed: August 2026 Sources: MCL 565.954 · MCL 565.957 · Michigan REALTORS® · EPA lead

Editorial summary based on the Michigan Seller Disclosure Act (MCL 565.951–565.966), including delivery and late-delivery termination rules in MCL 565.954 and the statutory form in MCL 565.957; writing requirements in MCL 566.106 and 566.108; Michigan REALTORS® publicly listed transaction forms; LARA real-estate licensing materials; and EPA lead-disclosure materials. Confirm the current statutory text and the exact brokerage-approved form version before you rely on deadlines. Facsimile delivery is authorized for the disclosure statement, but the statute’s 72/120-hour clocks are stated for in-person and registered-mail delivery—get Michigan legal advice if delivery method or timing is disputed.

Who this page is for

  • Buyers or sellers trying to understand how Michigan residential purchase agreements usually work
  • People working with a Michigan agent who want plain-English context before signing brokerage forms
  • FSBO parties who need a safe written-contract path and the correct disclosure checklist
  • Buyers tracking Seller Disclosure Statement timing and short late-delivery termination windows

Who should use another path

  • Anyone looking to buy a PublicLegal “official Michigan REALTORS® purchase agreement” — we do not sell that
  • Users who need a filled-in offer for a live transaction without professional help on complex terms
  • Commercial, heavily customized, development, or entity deals that need specialized Michigan counsel from the start

The purchase agreement creates the parties’ contractual obligations. The Seller’s Disclosure Statement is a separate statutory document. The deed transfers title later at closing. Do not treat a deed form as a substitute for the purchase agreement.

Michigan does not issue one free government residential purchase blank for ordinary resales. Licensed practice often uses Michigan REALTORS® or other brokerage-approved agreements. Public availability of an association form does not mean every transaction should use that blank without professional help.

Michigan residential transactions commonly close through a title company. That provider coordinates title, funds, and recording logistics. It is not automatically your personal lawyer for negotiating contract rights or disclosure disputes.

Two common Michigan situations

Working with a real estate agent

If a Michigan real-estate licensee is handling your transaction, that professional typically selects and supplies the current purchase agreement and addenda authorized by the brokerage. Many brokerages use Michigan REALTORS® forms—Form A is a publicly listed Purchase Agreement. Form E on the association forms page is a Mutual Release of Purchase Agreement used to end an existing deal, not a second purchase contract.

PublicLegal does not host, sell, or reproduce Michigan REALTORS® purchase agreements. Do not rely on random internet blanks. Ask which form and revision is being used and read financing, inspection, earnest money, title, appraisal, disclosure, possession, and default provisions carefully before signing.

Your agent should also coordinate the Seller’s Disclosure Statement. Michigan law requires the statutory disclosures and requires brokers and salespersons to make copies of the prescribed form available to the public. Calendar every contingency deadline from the actual signed agreement.

Buying or selling without an agent (FSBO)

Michigan does not publish a free statewide government purchase-agreement blank for ordinary FSBO resales. Unrepresented parties still need a signed written agreement covering price, earnest money, financing, inspections, title, closing, possession, defaults, and related logistics. Agreements concerning interests in land generally must be in writing under Michigan’s statute of frauds.

The safer contract path is a Michigan real-estate attorney who prepares or reviews the agreement before anyone signs. Michigan REALTORS® makes its Form A purchase agreement publicly viewable; it is an association form oriented around brokered practice, not individualized legal advice and not a PublicLegal download.

FSBO sellers remain subject to the Seller Disclosure Act when the transfer is covered, unless an exemption applies. Federal lead rules still apply to most pre-1978 housing. Select a title company early. PublicLegal does not sell a Michigan purchase-agreement substitute on this page.

Michigan seller disclosures: Seller Disclosure Act and related notices

The Seller Disclosure Act (MCL 565.951–565.966) requires the transferor of covered real estate consisting of one to four residential dwelling units to deliver a written Seller’s Disclosure Statement. Covered transfers include sales, exchanges, installment land contracts, leases with an option to purchase, other options to purchase, certain ground leases coupled with proposed improvements, and transfers of stock or interest in a residential cooperative.

The disclosures must be made on the statutory form set out in MCL 565.957. Michigan REALTORS® Form H is a commonly used printable packaging of that statement. The legal duty comes from the Act. Copies of the prescribed form must be made available to the public by all real estate brokers and salespersons (MCL 565.958). Cities, townships, or counties may require additional disclosures (MCL 565.959).

Delivery timing is critical. The written statement shall be delivered to the prospective buyer before the seller executes a binding purchase agreement (or before the specified installment/option contract is executed). Indicate compliance on the purchase agreement, contract, lease, addendum, or a separate document.

If any required disclosure or amendment is delivered after the seller executes a binding purchase agreement, the buyer may terminate by delivering written notice within 72 hours after in-person delivery of the disclosure statement, or within 120 hours after delivery by registered mail. That termination right expires when the property is transferred by deed or installment sales contract. These short windows are not a general cancel-for-any-reason cooling-off period.

The statement is based on the seller’s knowledge and the best information available and must be made in good faith (honesty in fact). Sellers are not required by the Act to investigate unknown conditions solely to complete the form. Information that becomes inaccurate after delivery has special rules; amendments are addressed in MCL 565.962. The Act does not limit separate fraud or misrepresentation remedies. A transfer is not invalidated solely because someone failed to comply with the Act.

Exemptions in MCL 565.953 include certain court-ordered, foreclosure, and fiduciary transfers; specified family and co-owner transfers; government transfers; and never-inhabited new residential construction transferred by a person licensed under the referenced residential-builder article. Being an investor, absentee owner, or “as-is” seller is not itself a broad exemption—confirm the statute for your facts.

Most housing built before 1978 also triggers federal lead-based paint disclosures and the EPA pamphlet before contract. Condominium purchases can involve separate Condominium Act document and withdrawal rules—especially for new units bought from a developer. Request association documents early on resales. Local well, septic, and municipal requirements may also apply.

Common exemption categories

Key points to keep straight:

  • Deliver the Seller’s Disclosure Statement before the seller executes a binding purchase agreement when the Act applies
  • Late delivery can create a 72-hour (in person) or 120-hour (registered mail) written termination right
  • That late-delivery right is not a general statewide cooling-off period
  • The statutory form text is public law; brokers must make copies available to the public
  • Michigan REALTORS® Form A is a purchase agreement; Form E is a mutual release, not a second purchase contract
  • Never-inhabited new construction is exempt only when transferred by a qualifying licensed builder under the statute
  • Federal lead rules still apply to most pre-1978 housing

When in doubt about what must be disclosed for your facts, ask Michigan counsel. Use the current statutory form and the actual signed purchase agreement.

Michigan purchase checklist

Use this as a practical sequence—not a substitute for advice on your facts.

  1. Confirm whether a Michigan real-estate licensee is supplying the purchase agreement
  2. If yes, obtain the current brokerage-authorized form and addenda—do not rely on random internet blanks
  3. If no, arrange Michigan real-estate attorney preparation or review before anyone signs
  4. Deliver the Seller’s Disclosure Statement before the seller executes a binding purchase agreement when the Act applies
  5. Buyers: if a disclosure arrives late, calendar the 72-hour or 120-hour written termination window immediately
  6. Address federal lead materials for most pre-1978 housing
  7. Request condominium or association documents early when the property is in a community association
  8. Select a title company and confirm earnest-money, closing, and recording logistics
  9. Treat the deed as part of closing—not a DIY substitute for the purchase agreement
  10. If a disclosure or termination clock may be running, get Michigan legal advice promptly

Step summary

  1. Identify who supplies the agreement An agent-assisted deal usually uses the brokerage’s current authorized form. An FSBO deal usually needs attorney-prepared or attorney-reviewed writing.
  2. Deliver the Seller’s Disclosure Statement on time When the Act applies, get the signed statement to the buyer before the seller executes the binding purchase agreement—and understand the short late-delivery termination clocks.
  3. Use contractual contingency windows Disclosures are not a warranty. Preserve inspection, financing, appraisal, and title rights written into the signed agreement.
  4. Close with verified instructions Coordinate deed, funding, taxes, and recording with your title professionals. Verify wires independently.

Inspections, contingencies, and other deal issues

Depending on the property and transaction, parties may also need to address:

  • Financing, appraisal, inspection, title, and closing deadlines in the signed purchase agreement
  • Home, sewer, septic, well, radon, pest, and other inspections appropriate to the property
  • Federal lead materials for most pre-1978 housing
  • Condominium master deed, bylaws, association financials, and developer-document packages when applicable
  • Land-division, farm-vicinity, and unplatted-land issues for vacant or newly divided parcels
  • Wire-fraud precautions—verify closing instructions by phone using a known number

Local practices differ across Michigan markets. Use professionals and primary sources for your address—not a generic national packet.

Michigan title, closings, and attorneys

Michigan residential purchases commonly close through a title company that issues the title commitment, holds earnest money or closing funds as agreed, coordinates lender requirements, and completes recording. That provider is not automatically your personal lawyer for negotiating contract rights or disclosure disputes.

A Michigan real-estate attorney can prepare or review the purchase agreement, advise on title objections, association documents, estate or entity authority, land-division issues, and custom terms. Consider counsel early in FSBO deals and whenever deadlines or documents are unclear.

The purchase agreement creates the sale obligations. The deed conveys title at closing. PublicLegal’s Michigan deed resources can help when you need conveyance forms, but a deed is not a substitute for the purchase agreement or for closing professionals.

Independently verify wire instructions. Real-estate wire fraud is common.

When to talk with a Michigan real estate attorney

  • No agent is involved and you need a purchase agreement prepared or reviewed
  • You do not understand form deadlines, contingencies, or earnest-money terms
  • Seller financing, land contract, trust, estate, entity, or boundary issues appear
  • The property is a condominium—especially a new unit from a developer
  • A disclosure arrived late or a party is considering termination under MCL 565.954
  • Custom occupancy, repair, or possession terms are requested

What PublicLegal does not sell for Michigan

  • Michigan REALTORS® Form A purchase agreement, related addenda, or any lookalike or derivative sold as a PublicLegal product
  • An “official Michigan” or “LARA-approved” residential purchase agreement
  • A paid copy of the statutory Seller’s Disclosure Statement with no material service beyond the public form
  • A generic national purchase blank or national disclosure form relabeled as Michigan-required
  • A deed or closing packet represented as a substitute for the purchase agreement or for Michigan counsel

That keeps this page honest: orientation and primary-source links, not a substitute for brokerage-approved forms or Michigan legal advice.

Frequently asked questions

Is there an official Michigan government home purchase contract?

Michigan does not publish a free statewide government purchase agreement for ordinary home resales. Brokerages often use Michigan REALTORS® or other approved agreements. PublicLegal does not sell a Michigan REALTORS® lookalike.

Is Michigan REALTORS® Form A required by law?

No statute makes Form A mandatory for every residential sale. It is an association form many brokerages use. Form E on the association forms page is a mutual release, not a second purchase agreement.

When must the seller deliver the Seller’s Disclosure Statement?

For covered transfers, MCL 565.954 generally requires delivery before the seller executes a binding purchase agreement. Delivering early—before offers become binding—reduces the risk of a late-delivery termination right.

What if the disclosure arrives after the purchase agreement is signed?

If a required disclosure or amendment is delivered after the seller executes a binding purchase agreement, the buyer may terminate by written notice within 72 hours after in-person delivery or 120 hours after registered-mail delivery. That right ends when the property is transferred by deed or installment sales contract.

Do Michigan buyers have a general cooling-off period after signing?

No. There is no free-floating cancel-for-any-reason period for ordinary residential purchases. The 72/120-hour windows are tied to late seller-disclosure delivery. Contract contingencies and some condominium rules can create other rights with different clocks.

Where can I get the disclosure form?

The form text is prescribed in MCL 565.957. Michigan REALTORS® Form H is a common printable packaging. Michigan law also requires every real-estate broker and salesperson to make copies of the prescribed form available to the public.

Is a deed the same as a purchase contract?

No. The purchase agreement is the contract to buy and sell. Title typically transfers later by deed at closing. A deed form is not a substitute for the purchase agreement.

Should an FSBO buyer or seller use a Michigan attorney?

Yes—having a Michigan real-estate attorney prepare or review the written agreement before signature is the safer unrepresented path. This page is orientation, not representation.

PublicLegal provides self-help forms and information. This is not legal advice. Real estate purchase and disclosure rules vary by state and transaction. Confirm requirements for your property with a qualified professional when needed.