See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026
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 → |
| 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 |
|---|---|---|---|---|
| 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
Step 1: 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.
Step 2: 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.
Step 3: 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.
Step 4: 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.
Step 5: 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.
Step 6: 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.
Step 7: 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.
Frequently Asked Questions
How much down payment assistance can I get in West Bloomfield?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can pay?+−
What homebuyer education is required?+−
Does West Bloomfield Township have its own homebuyer program?+−
Can I use these programs for higher-priced homes in West Bloomfield?+−
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