Washtenaw County / City of Ann Arbor Down Payment Assistance Program

Washtenaw County / City of Ann Arbor Down Payment Assistance Program is a deferred second loan for homebuyers in Ann Arbor, Michigan, administered by Washtenaw County Office of Community & Economic Development (OCED). Washtenaw County OCED, on behalf of the Washtenaw Urban County, provides down payment assistance to low-income, first-time homebuyers using federal HOME and CDBG funds. Assistance is structured as a deferred (silent second) lien recorded behind the buyer's first mortgage. Eligible households must earn at or below 80% of Area Median Income, purchase within an Urban County jurisdiction, and complete WHEP homebuyer education with a HUD-certified counselor. Down payment assistance for first-time homebuyers. Deferred second lien (no monthly DPA payments). Available across the Washtenaw Urban County including the City of Ann Arbor. Free homebuyer education through WHEP. Funding comes from Federal HOME and CDBG funds awarded to Washtenaw County through the Washtenaw Urban County.

Washtenaw County / City of Ann Arbor Down Payment Assistance Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. 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.

Washtenaw County / City of Ann Arbor Down Payment Assistance Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. A homebuyer education course is required, through Washtenaw Housing Education Partners (WHEP) Homebuyer Education Program (HUD-certified counselor required). Residency requirement: Home purchased must be within a jurisdiction of the Washtenaw Urban County. Citizenship or immigration status: U.S. citizen or legal resident alien. Requires completion of the Washtenaw Housing Education Partners (WHEP) homebuyer education program with a HUD-certified counselor. Applicant cannot currently own a home or mobile/manufactured home. Conflict-of-interest rules bar employees/officials of Washtenaw County and participating Urban County jurisdictions.

Washtenaw County / City of Ann Arbor Down Payment Assistance Program limits household income to 80% of the area median income, which varies by county and household size. Household income at or below 80% of the Washtenaw County Area Median Income (AMI), adjusted for household size, as published annually by HUD. 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.

Washtenaw County / City of Ann Arbor Down Payment Assistance Program serves homebuyers purchasing in Ann Arbor, Michigan.

Applications for Washtenaw County / City of Ann Arbor Down Payment Assistance Program go through Washtenaw County Office of Community & Economic Development (OCED), which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.