Wayne County Down Payment Assistance for First Time Homebuyers

Down Payment Assistance helps first-time homebuyers overcome the upfront costs of purchasing a home. Wayne County’s program provides eligible buyers with financial support that can be used toward the down payment or approved closing costs, making homeownership more achievable for households that meet income and asset limits. This assistance helps reduce barriers and supports stable, long-term homeownership in the community.

Eligible closing costs include prepaid taxes, interest, lender’s points, application processing fees, credit report fees, title insurance, appraisal, mortgage survey, cost estimates, safety testing, private mortgage insurance, lump-sum processing, and various loan, broker, recording, and legal fees.

Excluded closing cost examples (not inclusive) include homeowner’s insurance and real estate commissions.

Maximum DPA (up to)

$13,999

Down Payment Assistance Requirements

  • Buy in one of the following cities: Allen Park, Belleville, Brownstown, Ecorse, Flat Rock, Garden City, Gibraltar, Gross Ile Twp., Grosse Pointe, Grosse Pointe Farms, Grosse Pointe Park, Grosse Pointe Woods, Hamtramck, Harper Woods, Highland Park, Huron Twp., Inkster, Melvindale, Plymouth, River Rouge, Rockwood, Romulus, Southgate, Sumpter Twp., Northville, Trenton, Van Buren Township, Wayne, Woodhaven, Wyandotte.
  • The following cities are excluded from the Wayne County DPA Program: Canton, Dearborn, Dearborn Heights, Detroit, Lincoln Park, Livonia, Redford, Taylor, and Westland.
  • Receive homebuyer education from a HUD-approved agency.
  • Household incomes at or below 80% of the Area Median Income.
  • Cannot own or have an interest in any other real estate in the past 3 years at the time of purchase.
  • Maximum purchase price is $219,000.
  • Must be primary residence & must occupy the home as a principal residence for 5 years for 2nd mortgage to be forgiven.
  • Eligible for single-family & condo.
  • Homebuyer cannot have more than $20,000 in liquid assets.
  • Mortgage financing is required for all transactions — land contract and lease/purchase financing is not eligible.
  • Funding is on a first-come first-served basis. Please check on availability periodically.

2025 Income Limits

Household Size
Household Income
1 Person
$56,600
2 Person
$64,650
3 Person
$72,750
4 Person
$80,800
5 Person
$87,300
6 Person
$93,750
7 Person
$100,200
8 Person
$106,700

Check Your Down Payment Assistance Eligibility

DPA 2025/26

Personal Information

Name
Name
First Name
Last Name

Qualifications

Do you have a signed Pre-Approval?
Do you have a signed Purchase Agreement?
Have you completed a homebuyer education course?
Register For Our Next Class Here
Register For Our Next Class Here

Detroit

Call

(313) 255-9500

Atlanta

Call

(678) 553-3770

Tampa

Call

(656) 207-9550

Register For Our Next Class Here