Skip to content
Purchase Mortgage Loan
Get Pre-Approved

Detroit Down Payment Assistance (DPA) Program

Quick answer

Detroit Down Payment Assistance (DPA) Program is a Michigan down payment assistance program from City of Detroit Housing and Revitalization Department; implemented by National Faith Homebuyers. It provides Up to $25,000 as a forgivable loan. It is aimed at first-time buyers. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Eligibility notes

Round 3 launched 2026 (CDBG + CDBG-DR funds); secured by second mortgage/note with 3-year occupancy (prorated repayment if sold within 36 months); Detroit resident 12+ months or 2010-2016 tax-foreclosure victim; priority for August 2023 flood-affected households; $1,000 buyer contribution; HUD-approved education; max 30% payment-to-income; apply at detroitmi.gov/DPA. Policy manual (rev. March 2026) calls assistance both grant and loan.

Where does Detroit Down Payment Assistance (DPA) Program apply?

This city-level program is available to buyers in Detroit. Cities on our site where it applies:

DetailProgram terms
AssistanceUp to $25,000
TypeForgivable loan
Minimum creditNot published on the program page
First-time buyerRequired
Income limits80% AMI

How does Detroit Down Payment Assistance (DPA) Program work with an FHA loan?

Michigan's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down.

Where do I confirm current terms?

On the official page: https://detroitmi.gov/node/103826. Programs can pause when funds run out, so confirm availability with a participating lender.

← All Michigan down payment assistance programs

Frequently asked questions

Up to $25,000, according to City of Detroit Housing and Revitalization Department; implemented by National Faith Homebuyers.

It's a forgivable loan: forgiven if you meet the occupancy period, otherwise repaid.

80% AMI

Sources

Data last updated October 25, 2026.

Find a lender that offers Detroit Down Payment Assistance (DPA) Program

Answer a few quick questions and get matched with purchase mortgage lenders in your area. Free, and it won't affect your credit score.

Get My Matches

Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.