Detroit Down Payment Assistance Program
Assistance grant · Forgiven over 3 yrs · Income limits
Down payment assistance · Wayne County
Buying a home in Flat Rock, MI
2 county programs and 9 statewide.Flat Rock has no program of its own, 2 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.
Find my programs Free · No credit pull · 90 seconds
What’s local to Flat Rock
No program of Flat Rock’s own yet
No program run for Flat Rock alone is listed. A home in Flat Rock can use Wayne County’s programs below, plus the Michigan statewide and federal ones.
The closest city that runs its own program is Taylor, about 10 miles away. City programs usually require the home to be inside that city’s limits.
Anywhere in WayneAnywhere in Wayne County
2 county programs2 county programs a Flat Rock homebuyer can use
6 more programs are for homes in Taylor, Detroit, Lincoln Park, Livonia and Westland. See them 6 programs in neighboring cities — for homes inside those cities, not Flat Rock
- Taylor — City of Taylor Home Down Payment Assistance (DPA) Program
- Detroit — Newberry Affordable Homeownership Program (Down Payment Assistance)
- 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
- Detroit — Habitat for Humanity Detroit Homeownership Program
The Flat Rock marketThe Flat Rock housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Flat Rock
- 65.4% single-familysingle-family
- 0.5% townhousetownhouse
- 5.4% 2–4 units2–4 units
- 9.4% 5+ unitscondo & apartment buildings (5+ units)
- 19.3% mobile & othermobile home & other
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Flat Rock’s homes were built
pre-19401970s2020+
44.8%
of Flat Rock 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)
$81,585
Flat Rock median household incomeMedian household income in Flat Rock (Census, 2024)
14 of the 73 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 Flat Rock
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
2 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 2 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.
Find my counselor
Free account → 90-second match → your counselors · Sign in
Across Michigan and nationwide
71 statewide & federal programs9 statewide programs, plus federal options
Flat Rock questions
Does Flat Rock have its own down payment program?
No program run for Flat Rock alone is listed. A home in Flat Rock can use the 2 programs that cover Wayne County and the 9 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Flat Rock?
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. 14 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 Flat Rock?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Flat Rock. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
48134
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.