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Get Matched Free →Homebuyer Programs in Ypsilanti Township, MI (2026)
Ypsilanti Township is a community of about 55,000 residents in Washtenaw County, located adjacent to the City of Ypsilanti and home to Eastern Michigan University. With a median home price around $250,000, it offers more affordable homeownership compared to nearby Ann Arbor. EMU employees can take advantage of the LiveYpsi Homebuyer Assistance Program, which provides a forgivable loan of $5,000 or $10,000 depending on the property location. The Washtenaw County Homebuyer Assistance Program offers additional support for first-time buyers, and Habitat for Humanity of Huron Valley is actively building new homes in the township. At the state level, the MSHDA MI 10K DPA Loan provides up to $10,000 and the MSHDA First-Generation DPA offers up to $25,000 for first-generation buyers. By combining local, county, and state programs, Ypsilanti Township buyers can stack significant assistance toward their purchase.
City Programs in Ypsilanti Township
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| LiveYpsi EMU Employee Homebuyer Assistance Program | Forgivable Loan | $5,000 or $10,000 forgivable loan (amount depends on property location) | No | View → |
- Type:
- Forgivable Loan
- Amount:
- $5,000 or $10,000 forgivable loan (amount depends on property location)
- First-time only:
- No
County Programs in Washtenaw County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Washtenaw County Homebuyer Assistance Program | Grant | — | Yes | View → |
- Type:
- Grant
- 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 Huron Valley Homeownership Program | Forgivable Loan | Below-market-price homes; buyers provide minimum $1,000 down payment | No | View → |
- Type:
- Forgivable Loan
- Amount:
- Below-market-price homes; buyers provide minimum $1,000 down payment
- First-time only:
- No
How to Apply
Check your eligibility. The Washtenaw County Homebuyer Assistance Program requires that you live or work in Washtenaw County, do not currently own a home, and have a minimum credit score of 640. MSHDA programs are available to first-time buyers statewide.
Complete homebuyer education. Washtenaw County offers pre-purchase homebuyer educational seminars held regularly throughout the year, as well as individual counseling with certified housing counselors. This is required for county and state assistance programs.
If you are an EMU employee, apply for LiveYpsi. Full-time employees of Eastern Michigan University or the EMU Foundation can receive a $5,000 or $10,000 forgivable loan for purchasing a home in Ypsilanti Township. Contact EMU for application details.
Contact Washtenaw County OCED. The Office of Community and Economic Development administers county-level homebuyer assistance for first-time buyers in Washtenaw County.
Get pre-approved for a mortgage. Work with an MSHDA-approved lender to qualify for the MI Home Loan with up to $10,000 in down payment assistance. Ask about the First-Generation DPA if neither you nor your parents have owned a home, which offers up to $25,000.
Explore Habitat for Humanity of Huron Valley. They are actively building new homes in Ypsilanti Township. Contact Elena at elena@h4h.org or 734-925-7839 to receive an application. Applicants must contribute 250 hours of sweat equity and provide a minimum $1,000 down payment.