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Get Matched Free →Homebuyer Programs in Westland, MI (2026)
Westland is a suburban community in Wayne County, Michigan, located west of Detroit with a population of about 84,000 and a median home price around $220,000. Westland homebuyers have access to an unusually strong set of assistance programs. The City of Westland Homebuyer Assistance Program offers up to $14,500 in deferred loan assistance for newer homes and up to $7,500 for older homes. The National Faith Homebuyers Wayne County DPA adds another $13,999 as a forgivable loan, and Wayne Metro Community Action Agency offers up to $7,500 in forgivable down payment assistance. Combined with state programs like the MSHDA MI 10K DPA Loan (up to $10,000) and HomeBoost Down Payment Assistance (up to $15,000), eligible Westland buyers could stack over $40,000 in total assistance, which in many cases could cover the entire down payment and closing costs on a median-priced home.
City Programs in Westland
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Westland Homebuyer Assistance Program | Deferred Loan | Up to $7,500 (homes built before 2000) or up to $14,500 (homes built 2000 or later) | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $7,500 (homes built before 2000) or up to $14,500 (homes built 2000 or later)
- First-time only:
- Yes
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 → |
| 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 |
|---|---|---|---|---|
| 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
Check your eligibility. The City of Westland program requires household income at or below 80% of the Detroit metro area median income and liquid assets under $15,000. The National Faith Wayne County DPA has its own income limits based on household size.
Complete homebuyer education. National Faith Homebuyers offers an approved homebuyer education course required for the City of Westland program. Wayne Metro Community Action Agency also offers a monthly Homebuyer Club that satisfies lender requirements. Contact Wayne Metro at 313-388-9799.
Contact National Faith Homebuyers. They manage the City of Westland program and their own Wayne County DPA. Call 313-255-9500 or visit their office at 32150 Dorsey Street, Suite 16, Westland, MI 48186.
Explore MSHDA financing. Connect with an MSHDA-approved lender to apply for the MI Home Loan with up to $10,000 in DPA or the HomeBoost program offering up to $15,000. Call 517-373-8370 for a list of participating lenders.
Get pre-approved for a mortgage. Work with your lender to determine your purchase price range and confirm which programs you qualify for. You must qualify for a conventional or FHC mortgage for the city program.
Find a home in Westland. The home must meet federal Housing Quality Standards (HQS) and city building codes with no cracked or peeling paint or fragmented asbestos. The assistance amount for the city program depends on whether the home was built before or after 2000.
Submit your applications and close. Your lender will coordinate the DPA applications alongside your mortgage. The City of Westland program requires you to remain in the home for five years or repay the full assistance amount.