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City of Westland Homebuyer Program

City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers) · Westland, Michigan

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Assistance

$14,500

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 5 years

What is City of Westland Homebuyer Program?

City of Westland Homebuyer Program is a forgivable loan for homebuyers in Westland, Michigan, administered by City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers).

  • The City of Westland Home Buyer Program provides down payment and eligible closing cost assistance (maximum loan $14,500, based on need) to low- and moderate-income families purchasing a home in the City of Westland. Assistance is a 0% forgivable loan secured by a second mortgage; the lien is forgiven after a 5-year affordability period if all requirements are met. Applicants are referred to National Faith Homebuyers for counseling and processing.
  • Up to $14,500 in down payment and closing cost assistance as a 0% forgivable second mortgage, forgiven after 5 years.
  • Funding comes from Federal HOME funds via City of Westland / HUD.

How much assistance does it provide?

City of Westland Homebuyer Program offers up to $14,500 in assistance.

  • Amounts are the program's published maximums, not an offer — City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers) determines any individual award.

Do you have to pay it back?

City of Westland Homebuyer Program is forgiven after 5 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by If the home is sold, rented, or refinanced during the 5-year affordability period, the full assistance must be repaid to the City of Westland; lien forgiven after 5 years if all program requirements met.
  • The assistance is recorded in second position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Westland Homebuyer Program is open to buyers who will live in the home as their primary residence.

The program requires

  • The home is occupied as a primary residence
  • A completed homebuyer education course, through National Faith Homebuyers (homeownership counseling program)
  • DRAFT (dpa-gap-finder 2026-06-11): pending admin review. Homebuyer must be at least 18; cannot own other real estate at purchase; liquid assets cannot exceed $25,000; must occupy as principal residence at least 5 years; must complete National Faith homeownership counseling; property must pass City Home Certification Inspection/HQS and obtain Certificate of Occupancy. City will subordinate only for a rate/term-reducing refinance, not for cash-out. unconfirmed: min_credit_score; max_dti; annual_funding_cap; assistance_amount_min; citizenship_requirement.

The program excludes

  • Households above 80% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Westland Homebuyer Program limits household income to 80% of the area median income, which varies by county and household size.

  • Annual gross income cannot exceed 80% of Detroit area median income as determined by HUD income limits; income tested at the time the household initially occupies the property or when HOME funds are invested, whichever is later.
  • The limit applies to total household income, not only the borrower’s.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Westland Homebuyer Program caps the purchase price as follows: Property sales price must be below the HUD HOME limits for the Detroit PMSA (per hud.gov).

  • Eligible property types include Single Family, Condo, and Manufactured.
  • New construction is eligible.
  • Manufactured homes are eligible.

Where does it apply?

City of Westland Homebuyer Program serves buyers purchasing in Westland, Michigan.

How do you apply?

Applications for City of Westland Homebuyer Program go through City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers), which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program, through National Faith Homebuyers (homeownership counseling program).

  2. Contact City of Westland Department of Housing & Community Development (applications processed by National Faith Homebuyers) to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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