Down Payment Assistance Program


The client must have a loan that will allow secondary financing and the monthly mortgage payment may not exceed 31 percent of the households gross monthly income

How The Down Payment Assistance Program Works?

As a rule of thumb most financial institutions provide 3.0% down payment mortgages. A typical loan also includes several thousand dollars in closing costs such as origination fees, appraisals, inspections, allocation of taxes, and so on. If you buy a house selling for $100,000, the down payment would be $3,000, but with the additional fees and costs, the total funds needed to purchase a home could be as much as $6,000. Therefore, as part of the program each potential home buyer must provide $1,000 of their own money. The Wayne County program provides a fixed $7,500 loan for existing houses. This loan is forgivable after five (5) years at 0% interest.

The head(s) of the household will sign both a second mortgage payable to Wayne County and a Promissory Note. A prospective home buyer must not have owned any other residential property at the time of application, and may not have owned a home within the last 3 year

Cities that Qualify For Assistance



  • Allen Park
  • Belleville
  • Brownstown
  • Ecorse
  • Flat Rock
  • Garden City
  • Gibraltar
  • Grosse lie Township
  • Grosse Pointe (Farms, Woods, Park) Hamtramck
  • Harper Woods
  • Highland Park
  • Huron Township
  • Inkster
  • Melvindale
  • Plymouth
  • Plymouth Township
  • River Rouge
  • Riverview
  • Rockwood
  • Romulus
  • Southgate
  • Sumpter Township
  • Northville Township
  • Taylor
  • Trenton
  • Van Buren Township
  • Wayne
  • Woodhaven
  • Wyandotte

2017 Income Requirements

The maximum income limits for the First Time HomeBuyer Program are determined on a city by city basis. Please see the chart below for the list of median income levels in the 30%, 50% and 80% ranges – based on family size. Household income includes the sum of the incomes of all household members. Please feel free to contact National Faith HomeBuyers for more information. The current household income criteria are:

Already mortgage qualified? Looking to become mortgage qualified?

finances-housLeave us with your contact information and let us to see how we can assist you to get into a home for a very low down payment. Please indicate what City/Area you would prefer to live, and what you can afford monthly, and let us see what we can do for you.