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

Quick Read

At National Faith, we help families take ownership of their lives and adopt financially responsible behavior. We offer a range of services to our clients:

  • Down payment assistance
  • Financial literacy workshops
  • Foreclosure assistance

Serving both the metro Detroit area and Atlanta, our clients trust us because we are:

  • Michigan State Housing Development Authority Certified
  • U.S. Department of Housing and Urban Development Certified

Call us at (313) 255- 9500 (Detroit) or (678) 553-3770 (Atlanta) or fill out our contact form today to start your journey to home ownership!

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 $13,999 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

National Faith HomeBuyers is pleased to announce our partnership with the Michigan State Housing Development Authority (MSHDA). We share their mission to provide decent, safe and affordable housing to everyone. National Faith frequently partners with state and local governments to make homeownership a reality for many first-time homebuyers. MSHDA has several requirements to take advantage of their programs, so please take the time to visit their site.

For more information about MSHDA, visit their website.

For more information about the Michigan Down Payment Program, click here.

Cities that Qualify For Assistance



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

DPA Budgets

Last updated: June 18, 2024

Wayne County DPA Budget: $1,512,444.24

City of Westland DPA Budget: $0.00

City of Livonia DPA Budget: $169,665.00

City of Taylor DPA Budget: $0.00

City of Lincoln Park DPA Budget: $550,752.00

City of Detroit DPA Budget: $0.00

Click logo to see DPA Information.

Lincoln Park City Seal Livonia City Seal Westland City Seal

2024 Income Limits

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.