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Get Matched Free →Homebuyer Programs in Eastpointe, MI (2026)
Eastpointe is a city in Macomb County, Michigan, located along the Macomb-Wayne County border, with a population of about 33,700 and a median home price around $150,000. While the city does not offer its own dedicated down payment assistance, buyers can access the Macomb Community Action IDA Homebuyer Program providing up to $4,000 in matched savings. At the state level, MSHDA's HomeBoost program provides up to $15,000 as a grant and the MI 10K DPA Loan offers up to $10,000 as a zero-interest loan. Habitat for Humanity Macomb County also serves local families with affordable homeownership opportunities. With Eastpointe's affordable prices and available state assistance, many buyers can achieve homeownership with minimal out-of-pocket costs.
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. MSHDA programs require household income within published limits and a minimum 640 credit score. The Macomb Community Action IDA program requires income qualification.
Complete homebuyer education. A HUD-approved homebuyer education course is required. MSU Extension in Macomb County offers housing and financial education workshops. Call (586) 469-7614 for more information.
Contact a local housing partner. Reach out to Macomb Community Action for information about their IDA matched savings program. Habitat for Humanity Macomb County also offers homeownership opportunities for qualifying families.
Get pre-approved for a mortgage. Find an MSHDA-approved lender at the MSHDA website for state programs.
Find a home within program limits. The MSHDA MI Home Loan has a purchase price limit of $544,233. With Eastpointe's median price around $150,000, virtually all homes qualify.
Submit your application. Apply for MSHDA assistance through your approved lender during the mortgage process.