See programs you qualify for

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

Homebuyer Programs in Macomb Township, MI (2026)

Population: 94,000 | Median home price: $385,000 | Est. closing costs: $7,500 - $11,500

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 →

Macomb Community Action IDA Homebuyer Program

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 →

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 Macomb County Homeownership Program	Forgivable Loan	Below-market-price homes with 25-year affordable mortgage; $1,000 down payment required	Yes	View →

Habitat for Humanity Macomb County Homeownership Program

Type:: Forgivable Loan
Amount:: Below-market-price homes with 25-year affordable mortgage; $1,000 down payment required
First-time only:: Yes

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12 programs available in Macomb Township. See which ones you qualify for.

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: Explore matched savings. Contact Macomb Community Action at (586) 469-5656 to learn about the Individual Development Account (IDA) program, which matches your savings 3:1 up to $4,000 for a home down payment. This program requires a 3-year savings commitment and monthly deposits of at least $20.

Step 5: 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.

Step 6: 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.

Step 7: 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.

Frequently Asked Questions

How much down payment assistance can I get in Macomb Township?+

Macomb Township buyers can stack multiple state programs. The MSHDA HomeBoost grant provides up to $25,000, the MI 10K DPA offers a $10,000 zero-interest loan, and the MSHDA First-Generation DPA provides up to $25,000 for qualifying first-generation buyers. The Macomb Community Action IDA program offers up to $4,000 in matched savings. Depending on eligibility, buyers could access $35,000 or more in combined assistance.

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

Most programs require first-time buyer status, which MSHDA defines as not having owned a home in the past three years. The MSHDA First-Generation DPA has a stricter requirement where neither you nor your parents have ever owned a home. The Macomb Community Action IDA program also targets first-time buyers. Habitat for Humanity Macomb County prioritizes families demonstrating housing need rather than strictly requiring first-time buyer status.

What is the maximum home price I can pay?+

The MSHDA statewide sales price limit is $544,233, which accommodates most homes in Macomb Township where the median price is approximately $385,000. Individual MSHDA programs may have their own requirements, so work with an approved lender to confirm limits for your specific situation.

What homebuyer education is required?+

MSHDA programs require completion of a HUD-approved homebuyer education course. MSU Extension offers certified homebuyer education courses in the Macomb County area through their MI Money Health program. The Macomb Community Action IDA program also requires participants to attend budgeting classes and homeowner training sessions as part of their 3-year savings commitment.

Does Macomb Township have its own down payment assistance program?+

Macomb Township does not currently offer a township-funded down payment assistance program. However, buyers benefit from robust state programs through MSHDA and county-level options through Macomb Community Action. The MSHDA programs alone can provide $25,000 or more in assistance, making homeownership accessible even without a local township program.

What is the Macomb Community Action IDA program?+

The Individual Development Account (IDA) program through Macomb Community Action is a matched savings program. For every $1 you save (minimum $20 per month), the program matches up to $3, allowing you to accumulate up to $4,000 over three years for a home down payment. Eligible participants must have a child under 18, be employed at least 30 hours per week, and meet income guidelines. Contact Macomb Community Action at (586) 469-5656 for details.

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