First-time home buyer programs in Detroit
City of Detroit Housing and Revitalization Department runs Detroit Down Payment Assistance Program (DPA) for buyers in Detroit: up to $25,000, as a grant.
- Program available locally
- 1
- Largest amount
- $25,000
- Loan or grant
- Grant
Down payment help in Detroit
| Program | Amount | Loan or grant | Income limit | First-time buyers only |
|---|---|---|---|---|
| Detroit Down Payment Assistance Program (DPA). The City of Detroit Housing and Revitalization Department runs it. | Up to $25,000 | Grant | Household income must be less than 80% of area median income. | Yes |
Who's eligible for Detroit Down Payment Assistance Program (DPA)?
- Inside Detroit; buyers must have lived in the city for the past 12 months.
- Household income must be less than 80% of area median income.
- You're required to be a first-time buyer.
- You haven't owned a home in the past three years.
- A homebuyer education course.
- A lender must pre-qualify you.
- A signed purchase agreement.
After the grant is awarded, you must make the home your main residence for three years. Otherwise, you must pay the grant back on a pro-rated basis.
You never repay a grant if you follow the program's rules.
Have a lender pre-qualify you before finding a home. Once you find one, take a homebuyer education class and then apply online (Neighborly). For the full rules, see City of Detroit Housing and Revitalization Department's page for Detroit Down Payment Assistance Program (DPA).
You can also use Michigan's statewide programs in Detroit
| Program | Amount | Loan or grant |
|---|---|---|
| MSHDA MI 10K Down Payment Assistance (DPA) Program | Up to $10,000 | Deferred loan |
All first-time home buyer programs in Michigan come from Michigan State Housing Development Authority. The income figure for Wayne County appears in our HUD income limits lookup.
Contact a lender to ask about buying in Detroit.
Tell us where you're buying and a lender that works with Michigan's programs can tell you which of these fit you, and which you can combine.
Don't want to call? The lender will contact you after you send your details.