See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026

Homebuyer Programs in Livonia, MI (2026)

Population: 90,111 | Median home price: $310,000 | Est. closing costs: $6,000 - $9,500

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 →

City of Livonia Down Payment Assistance Program

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 →

National Faith Homebuyers Wayne County DPA

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 →

HomeBoost Down Payment Assistance

Type:: Grant
Amount:: Up to $15,000 (up to $25,000 through some participating lenders)
First-time only:: Yes

MSHDA First-Generation Down Payment Assistance

Type:: Deferred Loan
Amount:: Up to $25,000
First-time only:: Yes

MSHDA MI 10K DPA Loan

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 →
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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Habitat for Humanity of Western Wayne County Homeownership Program

Type:: Forgivable Loan
Amount:: Up to $12,000 in down payment and closing cost assistance for partner families
First-time only:: No

Free eligibility check

13 programs available in Livonia. See which ones you qualify for.

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: 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.

Step 7: 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.

Frequently Asked Questions

How much down payment assistance can I get in Livonia?+

Livonia homebuyers have access to multiple programs that can be stacked. The City of Livonia DPA provides up to $14,999 as a forgivable loan. The MSHDA HomeBoost grant offers up to $25,000, and the MI 10K DPA provides a $10,000 zero-interest loan. First-generation buyers may qualify for the MSHDA First-Generation DPA of up to $25,000. The National Faith Homebuyers Wayne County DPA adds $13,999 as a forgivable loan. Depending on eligibility, buyers could access $35,000 or more in combined assistance.

Do I have to be a first-time homebuyer to qualify?+

The City of Livonia DPA requires that you have not owned a home in the past three years. MSHDA programs define first-time buyers the same way. The MSHDA First-Generation DPA has a stricter requirement, meaning neither you nor your parents have ever owned a home. Habitat for Humanity does not strictly require first-time buyer status but prioritizes families demonstrating housing need.

What is the maximum home price I can pay?+

The MSHDA statewide sales price limit is $544,233, which accommodates most homes in Livonia where the median price is approximately $310,000. The City of Livonia DPA does not have a published purchase price cap but requires the home to be within Livonia city limits and the buyer to meet income requirements.

What homebuyer education is required?+

Most programs require a HUD-approved homebuyer education course. Wayne Metro Community Action Agency offers an online course through eHome America for $125, which you can complete at your own pace. They also hold monthly virtual workshops covering budgeting, credit, and the full homebuying process. Your certificate of completion satisfies requirements for both the Livonia DPA and MSHDA programs.

Can I combine the City of Livonia DPA with state programs?+

Yes, the City of Livonia DPA of up to $14,999 can typically be combined with MSHDA programs like the HomeBoost grant or MI 10K DPA loan. However, each program has its own eligibility requirements and you must qualify for each one independently. Work with an MSHDA-approved lender to determine the best combination of programs for your situation.

How do I apply for the Livonia DPA?+

The City of Livonia DPA is administered by National Faith Homebuyers. Contact them at (313) 255-9500 to begin the application process. You will need to provide $1,000 of your own funds, complete a homebuyer education course, and have an accepted purchase agreement on a property within Livonia. The program is funded through the city CDBG allocation, so availability depends on annual funding cycles.