See programs you qualify for
Get Matched Free →Homebuyer Programs in Clinton Township, MI (2026)
Clinton Township is the largest township in Michigan by population, located in Macomb County in the northern suburbs of the Detroit metro area, with over 102,000 residents and a median home price of around $235,000. While Clinton Township does not currently operate a city-funded down payment assistance program, buyers here can take advantage of strong state and county-level programs. The MSHDA MI 10K DPA Loan provides up to $10,000 in zero-interest down payment assistance, and the HomeBoost Down Payment Assistance grant offers up to $15,000. The Macomb Community Action IDA Homebuyer Program provides additional support for Macomb County residents. By stacking state programs, Clinton Township buyers can potentially access over $25,000 in combined assistance toward their home purchase.
County Programs in Macomb County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Macomb Community Action IDA Homebuyer Program | Grant | Up to $4,000 ($1,000 savings matched 3:1) | No | View → |
- Type:
- Grant
- Amount:
- Up to $4,000 ($1,000 savings matched 3:1)
- First-time only:
- No
State Programs in Michigan
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HomeBoost Down Payment Assistance | Grant | Up to $15,000 (up to $25,000 through some participating lenders) | Yes | View → |
| MSHDA First-Generation Down Payment Assistance | Deferred Loan | Up to $25,000 | Yes | View → |
| MSHDA MI 10K DPA Loan | Zero-Interest Loan | Up to $10,000 | Yes | View → |
- Type:
- Grant
- Amount:
- Up to $15,000 (up to $25,000 through some participating lenders)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $25,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity Macomb County Homeownership Program | Forgivable Loan | Below-market-price homes with 25-year affordable mortgage; $1,000 down payment required | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Below-market-price homes with 25-year affordable mortgage; $1,000 down payment required
- First-time only:
- Yes
How to Apply
Check your eligibility. Review MSHDA income limits for Macomb County and confirm you meet first-time homebuyer requirements. Some state programs allow repeat buyers in targeted areas.
Complete homebuyer education. Enroll in a HUD-approved homebuyer education course. Blue Water Community Action offers free homebuyer education classes for Macomb County residents. Fannie Mae HomeView is a free online option accepted by most programs.
Get pre-approved for a mortgage. Work with a MSHDA-approved lender to get pre-approved for an MI Home Loan, which qualifies you for the MI 10K DPA Loan and HomeBoost grant.
Contact Macomb County resources. Reach out to the Macomb Community Action Agency to learn about their IDA Homebuyer Program and other available assistance for Macomb County residents.
Explore Habitat for Humanity Macomb County. If you qualify based on income (minimum $33,350 for a single person) and credit (630+), Habitat for Humanity Macomb County builds and sells affordable homes in the county. Visit macombhabitat.org to learn more.
Find a home within program limits. Search for homes that meet MSHDA purchase price requirements for Macomb County.
Submit your applications. Work with your lender to complete all DPA applications. Allow 30-60 days for processing alongside your mortgage.