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¡Estás a unos pasos de calificar para obtener hasta $25,000 para comprar tu nueva casa!
¡Estás a unos pasos de calificar para obtener hasta $25,000 para comprar tu nueva casa!
Recuerda que para aplicar a este programa debes:
- Primero, encuentre a su prestamista y obtenga una precalificación para una hipoteca.
- En segundo lugar, encuentre su casa y tenga un contrato de compra firmado.
- En tercer lugar, tome una clase de educación para compradores de vivienda.
- Por último, solicite su ingreso al Programa DPA .
Detalles del programa
- Debe ser un comprador de vivienda que no haya tenido un interés comercializable en una propiedad en los últimos 3 años.
- Debe demostrar que ha residido en la ciudad de Detroit durante los últimos 12 meses O debe demostrar que perdió una casa debido a una ejecución hipotecaria de impuestos a la propiedad dentro de la ciudad de Detroit entre el período 2010-2016.
- El ingreso familiar total no puede superar el 80 % del ingreso medio del área para el tamaño de su hogar, según lo publicado anualmente por el Departamento de Vivienda y Desarrollo Urbano de los Estados Unidos. Consulte la tabla a continuación para conocer los límites de ingresos.
| Tamaño del hogar | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| 80% IAM | $56,600 | $64,650 | $72,750 | $80,800 | $87,300 | $93,750 | $100,200 | $106,700 |
- Debe completar el curso de educación para compradores de vivienda aprobado por HUD requerido y obtener su certificado del curso de educación de HUD.
- Debe comprar una propiedad de 1 a 2 unidades en la ciudad de Detroit como su residencia principal y planificar que permanezca como 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 30%.
- El programa ofrece hasta $25,000 para usar en pago inicial, pagos anticipados, reducción de tasa de interés, costos de cierre y reducción de capital.
- El monto total de la asistencia no puede exceder el 50% del precio de compra, pago inicial, pagos anticipados, reducción de la tasa de interés y costos de cierre.
- Se priorizará a los residentes que puedan demostrar que se vieron afectados por las inundaciones de agosto de 2023 o si su propiedad en Detroit fue objeto de una ejecución hipotecaria debido a una sobrevaloración del impuesto predial entre 2010 y 2016.
- LA VIVIENDA COMPRADA DEBE SER LA RESIDENCIA PRINCIPAL DURANTE TRES (3) AÑOS DESPUÉS DE LA ADJUDICACIÓN O ESTA DEBE SER REEMBOLSADA.
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 Community Development Block Grant (CDBG) and Community Development Block Grant Disaster Relief (CDBG -DR).
Homebuyer Education
One requirement of this program is that applicants must have completed a Homebuyer Education course. You can go to this link 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. You can find a realtor by:
- Visit DAR site.
- Enter "Detroit" under the "City" field and click "Search"
- Select a realtor from the list.
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 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)