See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026
Homebuyer Programs in Warren, MI (2026)
Warren is Michigan's third-largest city, located in Macomb County just north of Detroit, with a median home price of around $200,000. The City of Warren offers a Direct Homebuyer Assistance Program providing up to $25,000 in forgivable loans for buyers purchasing city-owned properties, covering half the required down payment plus up to $3,500 in closing costs. At the state level, the MSHDA MI 10K DPA Loan provides up to $10,000 in zero-interest down payment assistance, and the HomeBoost program offers grants of up to $15,000 for qualifying minority first-time homebuyers. By combining city and state programs, Warren homebuyers could potentially access over $35,000 in total assistance.
City Programs in Warren
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Warren Direct Homebuyer Assistance Program | Forgivable Loan | Up to $25,000 | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $25,000
- First-time only:
- No
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 → |
| 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
How to Apply
Step 1: Check your eligibility. The City of Warren Direct Homebuyer Assistance Program is for low- to moderate-income households purchasing city-owned properties. The MSHDA MI 10K DPA has income limits that vary by county, with a minimum credit score of 640. Review each program's requirements to determine which ones you qualify for.
Step 2: Complete homebuyer education. All programs require homebuyer counseling. MSU Extension Macomb Office at (586) 469-7614 offers free HUD-approved homebuyer education classes and one-on-one counseling sessions. Certificates are approved by both HUD and MSHDA.
Step 3: Get pre-qualified by a lender. For the MSHDA MI 10K DPA, you must work with an MSHDA-approved lender. The City of Warren program requires a fully amortizing, fixed-rate 30-year mortgage from an approved lender.
Step 4: Find available properties. For the City of Warren program, contact the Community Development Department at (586) 574-4686 to see available city-owned properties. For the MSHDA program, the statewide purchase price limit is $544,233.
Step 5: Submit your applications. For the City of Warren program, your application will be presented to the Committee and forwarded to City Council for authorization. For the MSHDA MI 10K DPA, your MSHDA-approved lender will process both the first mortgage and DPA together.
Step 6: Close on your home and maintain residency. The City of Warren forgivable loan is forgiven after 5 years for loans under $15,000, or 10 years for larger loans. The MSHDA DPA is due upon sale, transfer, or refinance.
Frequently Asked Questions
How much down payment assistance can I get in Warren?+−
Do I have to be a first-time homebuyer to qualify?+−
What properties are eligible for the City of Warren program?+−
What homebuyer education is required?+−
What are the income requirements for Warren programs?+−
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