See programs you qualify for
Get Matched Free →Homebuyer Programs in Macomb Township, MI (2026)
Macomb Township is one of the fastest-growing communities in Macomb County, Michigan, with a population of approximately 94,000 and a median home price around $385,000. While Macomb Township does not offer its own township-funded down payment assistance, buyers here benefit from strong state and county programs. 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. At the county level, the Macomb Community Action IDA Homebuyer Program offers matched savings of up to $4,000 for families, and Habitat for Humanity Macomb County provides homeownership opportunities with just a $1,000 down payment. By combining state programs, Macomb Township buyers could access over $35,000 in assistance.
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, which vary by household size. Certain areas within Macomb County including Harrison Township and Mount Clemens are designated as targeted areas with higher income limits. The statewide sales price limit is $544,233.
Complete homebuyer education. This is required for most MSHDA programs. MSU Extension is a HUD- and MSHDA-certified counseling agency that offers homebuyer education courses. Contact them through the MI Money Health program to find upcoming classes in the Macomb County area.
Work with an MSHDA-approved lender. Find a participating MI Home Loan lender through the MSHDA website. They will help you determine which DPA programs you qualify for, including the HomeBoost grant and MI 10K DPA.
Explore matched savings. Contact Macomb Community Action at (586) 469-5656 to learn about the Individual Development Account (IDA) program, which matches your savings 3
Consider Habitat for Humanity. If you meet income guidelines, contact Habitat for Humanity Macomb County to learn about their homeownership program. Partner families can purchase a home with just $1,000 down and a 25-year affordable mortgage.
Get pre-approved and find a home. Work with your lender to determine your maximum purchase price and stack available DPA programs. Most homes in Macomb Township fall within the MSHDA sales price limit of $544,233.
Submit applications and close. Your lender will coordinate the MSHDA DPA applications alongside your mortgage. Plan for a closing timeline of 30 to 60 days.