Habitat for Humanity of Huron Valley Home Ownership Program
Down-payment assistance · Income limit 80% of AMI
Single Family
See details Jul 2026
Down payment assistance · Michigan
Buying a home in Washtenaw County, MI
2 county-wide programs, 1 city with their own, plus 8 statewide and 62 nationwide.Washtenaw has 2 programs that cover the whole county and 1 city with a program of their own. On top of those, 8 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in WashtenawAnywhere in Washtenaw County
2 programs for every Washtenaw address2 programs that cover every Washtenaw address
All 2 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Ypsilanti, Ann Arbor or Saline can use them. All 2 are for first-time homebuyers and ask for a homebuyer class.
Washtenaw County / City of Ann Arbor Down Payment Assistance Program
Deferred second loan · Income limit 80% of AMI
See details Jul 2026
AMI is HUD’s area median income for Washtenaw, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
1 city with their own program1 Washtenaw city with their own program
For a home inside that city, on top of the county-wide 2.A city program is for a home inside that city. Buying there? It sits on top of the 2 county-wide programs above.
The Washtenaw marketThe Washtenaw housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Washtenaw
- 56.7% single-familysingle-family
- 7.6% townhousetownhouse
- 6.3% 2–4 units2–4 units
- 25.6% 5+ unitscondo & apartment buildings (5+ units)
- 3.7% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Washtenaw’s homes were built
pre-19401970s2020+
52.5%
of Washtenaw homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$142,300
HUD area median income, 4 people (FY2026)HUD area median income, Washtenaw County, 4-person household (FY2026)
$89,180
Median household income (ACS 2024 5-year)Median household income in Washtenaw (Census ACS 2024 5-year)
61.6%
of occupied homes are owner-occupied (Michigan: 73.2%)
The two income figures measure different things. HUD’s area median income is the one programs use. 13 of the 73 programs here set their income limit as a share of Washtenaw County’s area median income, adjusted for household size. See the published limits for Washtenaw County
Free help in WashtenawFree help in Washtenaw
1 HUD-approved counseling agency with an office in the county1 HUD-approved housing counseling agency with an office in Washtenaw County
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.2 of the 3 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
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Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Washtenaw County.
Washtenaw questions
Can I use a county program anywhere in Washtenaw?
The 2 county-wide programs cover homes anywhere in the county. City programs, like Ypsilanti’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Washtenaw County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Washtenaw programs accept condos?
Each program sets which kinds of homes it accepts; the program’s page lists them where the agency publishes them.
Where can I take a homebuyer class in Washtenaw?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency has an office in Washtenaw County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–September 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.