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Get Matched Free →Homebuyer Programs in West Bloomfield, MI (2026)
West Bloomfield Township is an affluent, lake-dotted community in Oakland County about 25 miles northwest of Detroit, with a population of roughly 67,000 and a median home price around $460,000. While West Bloomfield does not currently offer a township-funded down payment assistance program, buyers here can take advantage of strong state and county programs. The Oakland County Treasurer Homebuyer Assistance Program provides a $5,000 grant for first-time buyers, the MSHDA MI 10K DPA Loan offers up to $10,000 as a zero-interest loan, and the HomeBoost program provides grants up to $15,000. First-generation buyers may also qualify for up to $25,000 through the MSHDA First-Generation DPA. By combining eligible programs, West Bloomfield homebuyers could receive $30,000 or more in total assistance toward their purchase.
County Programs in Oakland County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Oakland County Treasurer Homebuyer Assistance Program | Grant | $5,000 grant | Yes | View → |
| Oakland Housing Authority Homeownership Voucher Program | Grant | Monthly mortgage assistance (housing subsidy applied toward mortgage payment) | No | View → |
- Type:
- Grant
- Amount:
- $5,000 grant
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Monthly mortgage assistance (housing subsidy applied toward mortgage payment)
- 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 |
|---|---|---|---|---|
| Community Housing Network Homebuyer Education and Counseling | Grant | Free homebuyer education courses and one-on-one housing counseling | No | View → |
| Habitat for Humanity of Oakland County Homeownership Program | Forgivable Loan | Below-market-price homes with affordable mortgage terms | No | View → |
- Type:
- Grant
- Amount:
- Free homebuyer education courses and one-on-one housing counseling
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Below-market-price homes with affordable mortgage terms
- First-time only:
- No
How to Apply
Check your eligibility. Most programs require household income at or below a percentage of the Area Median Income for Oakland County. The Oakland County Treasurer program sets the limit at 120% AMI ($123,240 for 2025). MSHDA programs have statewide income and purchase price limits. Given West Bloomfield's higher home prices, confirm that your target property falls within program limits.
Complete homebuyer education. This is required for most programs. Habitat for Humanity of Oakland County offers Habitat University with HUD-certified financial coaching and one-on-one counseling sessions. Community Housing Network also provides free homebuyer education courses in Oakland County. GreenPath Financial Wellness offers free pre-purchase counseling at 844-477-6520.
Contact the Oakland County Treasurer's Office about the $5,000 Homebuyer Assistance Program grant. You must work with Independent Bank for the mortgage. Call 844-821-6178 to speak with a loan officer.
Apply for MSHDA down payment assistance. Contact an MSHDA-approved lender to apply for the MI 10K DPA Loan (up to $10,000) or the HomeBoost grant (up to $15,000). You can find approved lenders through the MSHDA website.
If you are a first-generation homebuyer, ask your MSHDA-approved lender about the First-Generation DPA program, which offers up to $25,000. This cannot be combined with the MI 10K DPA Loan but can be used alongside the Oakland County grant.
Get pre-approved for a mortgage and find a home in West Bloomfield within program limits. The MSHDA statewide purchase price limit is $544,233. Many homes in West Bloomfield fall within this range, though higher-priced properties may exceed it.
Submit your applications and close. Your lender will coordinate the DPA funds with your mortgage. The Oakland County grant requires at least $1,000 in personal funds toward the purchase.