Assistance grant
Detroit Down Payment Assistance Program
First-time homebuyers · Income limits
Down payment assistance · Wayne County
Buying a home in Detroit, MI
3 Detroit programs, 1 county program and 9 statewide.Detroit has 3 programs of its own, 1 more across Wayne County, and 9 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Detroit addresses
Detroit’s own programs
Forgivable loan
Newberry Affordable Homeownership Program (Down Payment Assistance)
Income limits · Single Family
First mortgage
Habitat for Humanity Detroit Homeownership Program
First-time homebuyers · New construction · Income limits · Single Family
Anywhere in WayneAnywhere in Wayne County
1 county program1 county program a Detroit homebuyer can also use
4 more programs are for homes in Taylor, Lincoln Park, Livonia and Westland. See them 4 programs in neighboring cities — for homes inside those cities, not Detroit
- Taylor — City of Taylor Home Down Payment Assistance (DPA) Program
- Lincoln Park — City of Lincoln Park Down Payment Assistance for First-Time Homebuyers
- Livonia — City of Livonia Down Payment Assistance for First-Time Homebuyers
- Westland — City of Westland Homebuyer Program
The Detroit marketThe Detroit housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Detroit
- 64.3% single-familysingle-family
- 7.1% townhousetownhouse
- 8.9% 2–4 units2–4 units
- 19.3% 5+ unitscondo & apartment buildings (5+ units)
- 0.4% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Detroit’s homes were built
pre-19401970s2020+
90.3%
of Detroit 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.
$104,800
County area median income, 4 people (HUD)HUD area median income, Wayne County, 4-person household (2026)
$39,938
Detroit median household incomeMedian household income in Detroit (Census, 2024)
15 of the 75 programs here set their income limit as a share of Wayne County’s area median income, adjusted for household size. See the published limits for Wayne County
Free help nearbyFree help near Detroit
21 HUD-approved counseling agencies within 15 miles21 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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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Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Detroit questions
Does Detroit have its own down payment program?
Yes, 3: Detroit Down Payment Assistance Program, Newberry Affordable Homeownership Program (Down Payment Assistance) and Habitat for Humanity Detroit Homeownership Program. Each is for homes inside Detroit.
Can I use assistance on a condo in Detroit?
Each program sets which kinds of homes it accepts. Where the agency publishes them, the program’s page lists them; the agency confirms it for the home you choose.
What is the income limit in Wayne County?
Each program sets its own. 15 of the programs here set theirs as a share of HUD’s area median income for Wayne County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Detroit?
HUD-approved housing counseling agencies teach homebuyer classes, and 21 agencies are within 15 miles of Detroit. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48201 · 48202 · 48204 · 48205 · 48206 · 48207 · 48208 · 48209 · 48210 · 48211 · 48213 · 48214 · 48215 · 48216 · 48217 · 48219 · 48221 · 48222 · 48223 · 48224 · 48226 · 48227 · 48228 · 48231 · 48232 · 48233 · 48234 · 48235 · 48238 · 48242 · 48243 · 48244 · 48255 · 48260 · 48264 · 48265 · 48266 · 48267 · 48268 · 48269 · 48272 · 48275 · 48277 · 48278 · 48279 · 48288
Nearby in Wayne
Sources
Sources: agency sites (June–September 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.