Detroit Has Some of the Most Generous Homebuyer Programs in the U.S.

Detroit offers some of the largest grant amounts in the country — including $10K, $15K, even $25K+ for eligible buyers.

Here are the top programs active right now, with links + images added.

1. Detroit Down Payment Assistance Program (Up to $25,000)

👉 Official Link: https://detroitdpa.org/

Detroit’s flagship DPA provides up to $25,000 toward your down payment and closing costs.

Key Benefits:

• Large grant

• No repayment if you meet rules

• Works with many loan types
  
  

2. Detroit Housing Commission (DHC) Homebuyer Assistance

👉 Official Link: https://www.dhcmi.org/

Designed for residents in public housing or using vouchers who want to transition into homeownership.

Why it matters:
Helps renters become owners with counseling + financial support.

3. Detroit Home Mortgage Program

👉 Official Link: https://detroithomemortgage.org/

Solves Detroit’s appraisal gap problem by allowing buyers to finance both purchase + renovation costs.

4. Wayne County Homebuyer Assistance Program

👉 Official Link: https://www.waynecounty.com/departments/econdev/homebuyer-assistance-program.aspx

Provides $10,000–$14,999 to eligible buyers in participating cities — including many Detroit ZIP codes.

5. Bank of America Community Affordable Loan Program

👉 Program Info: https://www.bankofamerica.com/mortgage/affordable-loan-solution/

Often includes zero down, reduced MI, and large lender credits for qualifying Detroit buyers.

6. Fifth Third Bank Down Payment Assistance

👉 Program Link: https://www.53.com/content/fifth-third/en/personal-banking/mortgage/down-payment-assistance.html

Offers $7,500–$10,000 in qualifying Detroit census tracts.

7. Huntington Bank DPA + “Home Possible” Program

👉 Home Possible Info: https://www.huntington.com/mortgage/homepossible
👉 Huntington Assistance: https://www.huntington.com/mortgage

Provides $2,500–$7,500 in assistance plus low-MI and flexible credit options in Detroit.

8. MSHDA MI Home Loan (Detroit Eligible)

👉 Official Link: https://www.michigan.gov/mshda/homeownership

Michigan’s most frequently used program — up to $10,000 in assistance for Detroit buyers.

9. USDA Zero-Down Loan (Detroit–Area Eligible Zones Only)

👉 Eligibility Map: https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

Does not apply inside Detroit city limits, but applies minutes away in nearby areas like Taylor, Romulus & Belleville.

10. VA Zero-Down Loan (Detroit Veterans & Military Families)

👉 VA Loan Info: https://www.va.gov/housing-assistance/home-loans/

The most powerful zero-down loan available — no MI, flexible credit, stackable with grants.

Bonus: Detroit Home Repair & Neighborhood Revitalization Grants

👉 Detroit Land Bank: https://buildingdetroit.org/
👉 Renew Detroit: https://detroitmi.gov/departments/renew-detroit

Detroit also offers major post-purchase grants for repairs, energy upgrades, and revitalization.

How to Know Which Detroit Programs You Qualify For

Each program has different rules for:

• ZIP codes

• Income limits

• Credit scores

• Property type

• Funding rounds

• Stackability
  
  

The fastest way to see the programs you qualify for is with:
👉 https://NoDownPayment.app
Your free database of 2,500+ assistance programs across Detroit and the entire U.S.

Final Thoughts

Detroit is one of the easiest cities in America to buy a home with $0–$2,000 out of pocket thanks to its unique mix of:

• City grants

• State programs

• Bank DPA offers

• VA + USDA zero-down loans

• Appraisal gap solutions

• Repair and revitalization incentives
  
  

If you’re renting in Detroit, you’re likely way closer to homeownership than you think.