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Get Matched Free →Homebuyer Programs in Livonia, MI (2026)
Livonia is a desirable suburb in Wayne County, Michigan, consistently ranked among the best places to live in the state with a population of approximately 90,000. With a median home price around $310,000, Livonia is more affordable than some neighboring communities while offering excellent schools and amenities. Livonia homebuyers have strong assistance options, including the City of Livonia Down Payment Assistance Program offering up to $14,999 as a forgivable loan administered by National Faith Homebuyers. At the state level, the MSHDA HomeBoost grant provides up to $25,000, the MI 10K DPA offers a $10,000 zero-interest loan, and the First-Generation DPA provides up to $25,000 for first-generation buyers. The National Faith Homebuyers Wayne County DPA adds another $13,999 forgivable loan option, and Habitat for Humanity of Western Wayne County serves the area with homeownership programs. By stacking city and state programs, Livonia buyers could access over $35,000 in combined assistance.
City Programs in Livonia
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Livonia Down Payment Assistance Program | Forgivable Loan | Up to $14,999 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $14,999
- First-time only:
- Yes
County Programs in Wayne County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| National Faith Homebuyers Wayne County DPA | Forgivable Loan | $13,999 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- $13,999
- First-time only:
- Yes
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 of Western Wayne County Homeownership Program | Forgivable Loan | Up to $12,000 in down payment and closing cost assistance for partner families | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $12,000 in down payment and closing cost assistance for partner families
- First-time only:
- No
How to Apply
Check your eligibility. Review income limits for the City of Livonia DPA, which requires household income at or below 80% of Area Median Income. MSHDA programs have their own income limits that vary by household size for Wayne County.
Complete homebuyer education. This is required for both the Livonia DPA and MSHDA programs. Wayne Metro Community Action Agency offers HUD-approved homebuyer education courses for $125 through their eHome America online platform. You can also attend their monthly virtual workshops.
Contact National Faith Homebuyers. Call (313) 255-9500 to learn about the City of Livonia DPA and check current funding availability. You will need to provide $1,000 of your own funds and have an accepted purchase agreement on a Livonia property.
Work with an MSHDA-approved lender. Find a participating MI Home Loan lender through the MSHDA website to get pre-approved and determine which state DPA programs you qualify for, including the HomeBoost grant and MI 10K DPA.
Explore additional options. Contact Habitat for Humanity of Western Wayne County to learn about their homeownership programs. Also check the Wayne County DPA through National Faith Homebuyers for additional forgivable loan options.
Find a home within program limits. The MSHDA statewide sales price limit is $544,233, which covers most homes in Livonia. The City of Livonia DPA requires the home to be located within Livonia city limits.
Submit your applications and close. Your lender will coordinate the DPA applications alongside your mortgage. The City of Livonia DPA and MSHDA programs can typically be processed within 30 to 60 days.