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¡Estás a unos pasos de calificar para obtener hasta $25,000 para comprar tu nueva casa!

Recuerda que para aplicar a este programa debes:

Encuentre a su prestamista y obtenga una precalificación para una hipoteca.
Encuentra tu casa y obtén un contrato de compra firmado.
Tome una clase de educación para compradores de vivienda.
Solicitar el Programa DPA

Si completa la encuesta de verificación de elegibilidad y descubre que es elegible para solicitar el Programa de asistencia para el pago inicial de Detroit, puede visitar "¿Cómo solicito?" para enviar su solicitud oficial.

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

Detalles del programa

Debe ser un comprador de vivienda que no haya tenido interés en una propiedad en los últimos 3 años.
Debe demostrar que residió en la ciudad de Detroit durante los últimos 12 meses O perdió una casa debido a una ejecución hipotecaria por impuestos a la propiedad dentro de la ciudad de Detroit entre el período 2010-2016.
Los ingresos totales de su hogar no pueden superar el 300 % del nivel nacional de pobreza para el tamaño de su hogar, establecido anualmente por el Departamento de Salud y Servicios Humanos. Consulte la tabla a continuación para conocer los límites de ingresos.

	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

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

Debe completar la educación para compradores de vivienda requerida aprobada por HUD.
Debe comprar una propiedad o condominio de 1 a 2 unidades en la ciudad de Detroit como su residencia principal y planificar que siga siendo su residencia principal durante los próximos 3 años.
Debes aportar un mínimo de $1,000 para la compra de la propiedad.
El ratio de gastos de vivienda no debe superar el 35%.
El programa ofrece hasta $25,000 para usar como pago inicial, pagos anticipados que incluyen reducción de tasa de interés, costos de cierre y reducción de capital junto con una hipoteca de compra o una hipoteca de renovación.
- El monto total de la asistencia no puede exceder el 50% del precio de compra, el pago inicial, los pagos anticipados, incluida la reducción de la tasa de interés, los costos de cierre y las reparaciones financiadas con una hipoteca de renovación.
LA VIVIENDA COMPRADA DEBE SER LA RESIDENCIA PRINCIPAL DURANTE TRES (3) AÑOS DESPUÉS DE LA CONCESIÓN DE LA SUBVENCIÓN O DEBERÁ REEMBOLSARSE LA SUBVENCIÓN.

Lenders

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.

Realtors

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

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 | HUD.gov / U.S. Department of Housing and Urban Development (HUD)