See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated April 10, 2026

Homebuyer Programs in Westland, MI (2026)

Population: 84,155 | Median home price: $220,000 | Est. closing costs: $4,500 - $6,500

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 →

City of Westland Homebuyer Assistance Program

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 →

National Faith Homebuyers Wayne County DPA

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 →

HomeBoost Down Payment Assistance

Type:: Grant
Amount:: Up to $15,000 (up to $25,000 through some participating lenders)
First-time only:: Yes

MSHDA First-Generation Down Payment Assistance

Type:: Deferred Loan
Amount:: Up to $25,000
First-time only:: Yes

MSHDA MI 10K DPA Loan

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 →

FHA Loans

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

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

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

HomeReady Mortgage (Fannie Mae)

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

HUD $100 Down Program

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

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

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 →

Habitat for Humanity of Western Wayne County Homeownership Program

Type:: Forgivable Loan
Amount:: Up to $12,000 in down payment and closing cost assistance for partner families
First-time only:: No

LMCU HomeAssist Down Payment Assistance

Type:: Zero-Interest Loan
Amount:: Up to $10,000 (up to $15,000 in targeted areas)
First-time only:: Yes

Wayne Metro Community Action Agency Homebuyer Program

Type:: Forgivable Loan
Amount:: Up to $7,500
First-time only:: Yes

Free eligibility check

15 programs available in Westland. See which ones you qualify for.

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How to Apply

Step 1: 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.

Step 2: 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.

Step 3: 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.

Step 4: 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.

Step 5: 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.

Step 6: 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.

Step 7: 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.

Frequently Asked Questions

How much down payment assistance can I get in Westland, MI?+

Westland has one of the strongest DPA stacks in the Detroit metro area. The City of Westland Homebuyer Assistance Program offers up to $14,500 for homes built in 2000 or later (or $7,500 for older homes). The National Faith Homebuyers Wayne County DPA provides $13,999 as a forgivable loan. Wayne Metro Community Action Agency offers up to $7,500 in forgivable assistance. State programs add up to $10,000 via the MSHDA MI 10K DPA Loan and up to $15,000 via HomeBoost. Eligible buyers could potentially stack over $40,000 in combined assistance.

Do I have to be a first-time homebuyer to qualify?+

Yes, most programs available in Westland require first-time buyer status. The City of Westland program, National Faith Wayne County DPA, and Wayne Metro program all require that you have not owned a home recently. MSHDA programs are available to first-time buyers statewide and repeat buyers in targeted areas.

What are the income limits for Westland homebuyer programs?+

The City of Westland program requires household income at or below 80% of the Detroit metro area median income as set by HUD. The National Faith Wayne County DPA has income limits ranging from $38,480 for a one-person household to $72,480 for an eight-person household. MSHDA programs have their own income limits that vary by household size and county.

What homebuyer education is required?+

The City of Westland program requires completion of an approved homebuyer education course. National Faith Homebuyers offers courses at their Westland office at 32150 Dorsey Street, Suite 16. Wayne Metro Community Action Agency also offers a monthly Homebuyer Club that satisfies lender requirements. Contact Wayne Metro at 313-388-9799 or National Faith at 313-255-9500.

What condition must the home be in to qualify?+

For the City of Westland program, the home must meet federal Housing Quality Standards (HQS), which means it must comply with city building codes, have no cracked or peeling paint, and no fragmented asbestos. The assistance amount also depends on the home age: up to $14,500 for homes built in 2000 or later, and up to $7,500 for homes built before 2000.