This is the TRAINING website.
For current info please visit detroitmi.gov
Am I Ready?
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You are a few steps away from qualifying for up to $25,000 to purchase your new home!
Remember to apply for this program, you must:
- First, find your lender and get pre-qualified for a mortgage.
- Second, find your home and have a signed purchase agreement.
- Third, take a homebuyer education class.
- Lastly, apply to the DPA Program.
Program Details
- You must be a homebuyer who has not held marketable interest in a property in the last 3 years.
- You must prove that you have resided in the city of Detroit for the last 12 months OR you must prove that you lost a home due to property tax foreclosure within the City of Detroit between the period of 2010-2016.
- Your total household income may not exceed 80% of the area median income for your household size issued annually by the U.S. Department of Housing and Urban Development. See the table below for income limits.
| Household Size | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 |
| 80% AMI | $56,600 | $64,650 | $72,750 | $80,800 | $87,300 | $93,750 | $100,200 | $106,700 |
- You must complete the required HUD-approved homebuyer education course, and obtain your HUD education course certificate.
- You must purchase a 1-2 unit property in the City of Detroit as your primary residence and plan for it to remain as your primary residence for the next 3 years.
- You must contribute a minimum of $1,000 towards the purchase of the property.
- The housing expense ratio must not exceed 30%.
- The program offers up to $25,000 to be used for downpayment, prepaids, interest rate buy down, closing costs, and principal reduction.
- The total amount of assistance cannot exceed 50% of the purchase price, down payment, prepaids, interest rate buy down and closing costs.
- There will be prioritization for residents who can provide evidence that they were impacted by the August 2023 flooding. Or if their Detroit property was foreclosed due to property tax over assessment between 2010 - 2016.
- THE PURCHASED HOME MUST BE THE PRINCIPAL RESIDENCE FOR THREE (3) YEARS AFTER AWARD OR THE AWARD MUST BE REPAID.
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)