Am I Ready?

You are a few steps away from qualifying for up to $25,000 to purchase your new home!

Remember to apply for this program, you must:

  1. Find your lender and get pre-qualified for a mortgage.
  2. Find your home and have a signed purchase agreement.
  3. Take a homebuyer education class.
  4. Apply to the DPA Program

If you complete the eligibility check survey and you find out you are eligible to apply for the Detroit Down Payment Assistance Program, you can visit "How Do I Apply' to submit your official application.

Eligibility Check Survey


You must complete the Eligibility Survey before you can apply for Down Payment Assistance

Click Here to Take Eligibility Check Survey Now

Program Details


  • You must be a homebuyer who has not held an interest in property in the last 3 years.
  • You must prove that you resided in the city of Detroit for the last 12 months OR  lost a home due to property tax foreclosure within the City of Detroit between the period of 2010-2016.
  •  Your total household income may not exceed 300% of the national poverty level for your household size issued annually by the Department of Health and Human Services. See the table below for income limits.
    1 Person 2 Person 3 Person 4 Person 5 Person 6 Person 7 Person 8 Person
    $45,180 $61,320 $77,460 $93,600 $109,740 $125,880 $142,020 $158,160
  •  You must complete the required HUD-approved homebuyer education.
  •  You must purchase a 1-2 unit property or condominium in the City of Detroit as your primary residence and plan for it to remain as your primary residence for the next 3 years.
  •  You must contribute a minimum of $1,000 towards the purchase of the property.
  •  The housing expense ratio must not exceed 35%.
  •  The program offers up to $25,000 to be used for down payment, prepaids including interest rate buy down, closing costs, and principal reduction in conjunction with a purchase mortgage or a renovation mortgage.
    • The total amount of assistance cannot exceed 50% of the purchase price, down payment, prepaids including interest rate buy down, closing costs, and repairs financed into a renovation mortgage.



If you are not currently pre-qualified by a lender but you would like to apply for this program, the following lenders have successfully closed at least 4 loans in last year's Detroit Down Payment Assistance Program.


Rocket Mortgage Better Rate Mortgage, Inc The Huntington National Bank Flagstar Bank Opportunity Resource Fund
JPMorgan Chase Bank Citizens Bank United Lending Team, LLC DBA Ease Mortgage First Merchants Bank Michigan First Credit Union
Bank of America Mortgage 1 Incorporated U Mortgage LLC Bank of England The Mortgage Link
Swift Home Loans Fifth Third Bank Nations Lending Corporations Premier Mortgage Guarantee Caliber Home Loans, Inc
Cleared to Close Mortgage

Fairway Independent Mortgage Corp-Capital Mortgage Funding

Neighborhood Assistance Corporation of America PNC Bank, National Association Shoreline Mortgage Inc.


Disclaimer: The lenders, homebuyer education entities, and realtor agencies listed on this page are for informational purposes only and are not recommendations by the City of Detroit or National Faith Homebuyers. The list of resources including lenders, homebuyer education, and realtors is not exhaustive. Participants are free to select lenders, HUD-approved homebuyer education agencies, and realtors of their own choice in accordance with program eligibility rules as set forth by the American Rescue Plan Act.

Homebuyer Education


One requirement of this program is that applicants must have completed a Homebuyer Education course. You can contact the organizations below to learn how to get connected to these courses.




If you are looking to work with a realtor to find a home for purchase, residents can contact the agencies below.



Fair Housing logo

Fair Housing Act Disclosure

It is illegal to discriminate in the sale or rental of housing, including against individuals seeking a mortgage or housing assistance, or in other housing-related activities. The Fair Housing Act prohibits this discrimination because of race, color, national origin, religion, sex (including gender identity and sexual orientation), familial status, and disability. A variety of other federal civil rights laws, including, but not limited to Title VI of the Civil Rights Act, Section 504 of the Rehabilitation Act, and the Americans with Disabilities Act, prohibit discrimination in housing and community development programs and activities, particularly those that are assisted with American Rescue Plan Act and HUD funding. These civil rights laws include obligations such as taking reasonable steps to ensure meaningful access to their programs and activities for persons with limited English proficiency (LEP) and taking appropriate steps to ensure effective communication with individuals with disabilities through the provision of appropriate auxiliary aids and services. Various federal fair housing and civil rights laws require HUD the city of Detroit and its program participants to affirmatively further the purposes of the Fair Housing Act. HUD’s Office of Fair Housing and Equal Opportunity (FHEO) works to eliminate housing discrimination and promote civil rights and economic opportunity through housing. FHEO enforces fair housing laws. One of its roles is to investigate complaints of housing discrimination. If you believe you have been discriminated against in violation of any of these federal fair housing laws, you can file a complaint with FHEO. Fair Housing: Rights and Obligations | / U.S. Department of Housing and Urban Development (HUD)