See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026
Homebuyer Programs in Redford, MI (2026)
Redford Township is a community in Wayne County in southeast Michigan, bordering Detroit to the west. With a median home price around $178,000, Redford offers affordable homeownership opportunities in the Metro Detroit area. Buyers in Redford can access several strong assistance programs including the National Faith Homebuyers Wayne County DPA offering $13,999 in down payment assistance and the Wayne Metro Community Action Agency Homebuyer Program providing up to $7,500. Habitat for Humanity of Western Wayne County offers up to $12,000 in down payment and closing cost assistance for partner families, and the LMCU HomeAssist program provides up to $10,000 for qualifying first-time buyers. Combined with MSHDA state programs offering up to $10,000 through the MI 10K DPA Loan and up to $25,000 through the First-Generation DPA, Redford buyers could potentially stack over $40,000 in total assistance.
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 → |
| 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:
- 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 → |
| LMCU HomeAssist Down Payment Assistance | Zero-Interest Loan | Up to $10,000 (up to $15,000 in targeted areas) | Yes | View → |
| Wayne Metro Community Action Agency Homebuyer Program | Forgivable Loan | Up to $7,500 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $12,000 in down payment and closing cost assistance for partner families
- First-time only:
- No
- Type:
- Zero-Interest Loan
- Amount:
- Up to $10,000 (up to $15,000 in targeted areas)
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $7,500
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. Most Redford-area programs require household income at or below 80% of Area Median Income. The National Faith Homebuyers Wayne County DPA program has specific eligibility criteria. Wayne Metro programs serve low-and moderate-income Wayne County residents.
Step 2: Complete homebuyer education. Wayne Metro Community Action Agency offers a Homebuyer Education Course covering the home-buying and mortgage processes. Upon completion, you receive a certificate that satisfies lender requirements. Contact Wayne Metro at waynemetro.org or email ownmyhome@waynemetro.org.
Step 3: Get pre-approved for a mortgage. Work with an MSHDA-approved lender to access the MI Home Loan with up to $10,000 in DPA. Your lender can also connect you with the National Faith Homebuyers Wayne County DPA program.
Step 4: Apply for down payment assistance. For the National Faith Homebuyers Wayne County DPA ($13,999), visit nationalfaith.org or contact them directly. For Wayne Metro programs (up to $7,500), contact Wayne Metro Community Action Agency. For Habitat for Humanity of Western Wayne County (up to $12,000), visit their website to begin the application process.
Step 5: Find a home in Redford. With a median price of $178,000, most homes in Redford fall well within program limits. Redford Township also has a SNAP program that renovates and sells remodeled homes to owner-occupants. Contact the Community Development Department at 12121 Hemingway for information.
Step 6: Close on your home. Your lender and housing counselor will coordinate the assistance funds at closing. Allow extra processing time for program paperwork.
Frequently Asked Questions
How much down payment assistance can I get in Redford?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase with assistance?+−
What homebuyer education is required?+−
What is the SNAP program in Redford?+−
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