In 1992, Congress established the Section 184 Indian Housing Loan Guarantee Program.  The program is designed to offer homeownership and housing rehabilitation opportunities for eligible Native American individuals or families, tribes and Tribally Designated Entities (including Indian Housing Authorities) on their native lands.  To learn more about the Section 184 program visit www.hud.gov

Home Buying Assistance For Those With Disabilities

Fannie Mae's popular Community HomeChoice Program provides help to low and moderate income people with disabilities and also to the able-bodied people who care for them.  Eligible borrowers don't have to meet the more rigorous down-payment and earnings standards imposed on most traditional buyers, which makes getting a mortgage much easier.

Fannie Mae offers its various programs through a network of thousands of lenders across the nation. Call Fannie Mae at 800-732-6643 or visit its Website at www.fanniemae.com

The U.S. Department of Housing and Urban Development also operates a handful of programs that can help disabled people buy or refinance a house.  You can get details about programs by contacting your regional HUD offices listed under the "Federal Government" heading of the white pages of the local phone book OR by visiting www.hud.gov/groups/disabilities.cfm


The Good Neighbor Next Door initiatives are a collection of FHA programs where police officers, firefighters, emergency medical technicians and teachers can purchase HUD homes at up to
a 50% discount.
The programs are:
Officer Next Door
Firefighter & Emergency Medical Tech Next Door
Teacher Next Door
Additional discounted sales programs allow local governments and qualified nonprofit organizations to purchase homes at a discount.  These are referred to as "dollar homes" and "sales to nonprofit's".
For more information, visit the www.hud.gov 

Michigan State Housing Development Authority 
(Program Hotline)
401 S. Washington Square
Lansing, MI  48933
Website:  www.michigan.gov/mshda
Loans, down payment assistance, acquisition/rehabilitation of a home.  Serves All.

Check out www.homesales.gov which lists homes that have been seized by the government.  Since they're usually foreclosures, you can often get them for a bargain price!


Habitat for Humanity--Detroit        
14325 Jane Street
Detroit MI  48205
Phone:  313-521-6691  ext. 129
Website:  www.habitatdetroit.org 
Habitat Detroit has helped low-income families in the City of Detroit become new homeowners 
by bringing people from all walks of life together to revitalize Detroit neighborhoods through 
the construction and rehabilitation of decent, energy-efficient, affordable homes.  Serves the 
City of Detroit and surrounding neighborhoods and all ages.  

Wayne Metropolitan Community Action Agency
Administrative Office: 
2121 Biddle Ave.  
Wyandotte MI  48192                                          Ask about the new Lincoln Park program!
Phone: 734-284-6999                                       
Email:  info@waynemetro.org                          
Website:  www.waynemetro.org                  
Low-cost home buying assistance, homeless prevention program. 

The Homeownership Crusade
Wayne County Jobs and Economical Development Housing Division
600 Randolph
Detroit MI  48226                                                                                 
Phone:  313-224-5011
First-time home buyer program.

"Taylor Cares Program"
Phone:  734-530-2007  OR  313-613-0223
Website:  www.cityoftaylor.com
The City of Taylor is currently offering completely renovated, previously foreclosed homes 
for purchase to First Time Homebuyers at below-market sales prices.  This MSHDA first-time homebuyer program will give qualified buyers a competitive rate on a first mortgage loan and 
a second mortgage loan up to $7500, which has no payments and no interest to assist buyers 
with costs to purchase.  Minimum investment by the purchaser of the home is 1% of the sales 
price.  In most cases, the mortgage payments are comparable to what current rents are.  Income guidelines are based on 80% of Wayne County's median household income.
Neighborhood Stabilization Program
Phone:  734-374-1366
Website:  www.cityoftaylor.com
The City of Taylor was allocated $2,495,056 in federal funds to purchase, rehabilitate and sell 
single family dwellings at cost.  Income guidelines are based on 120% of Wayne County household income.

The Community Tax and Resource Center
7000 W. Fort
Southwest Detroit, MI  
Phone:  313-554-2884
Offers free income tax preparation for low-income households, as well as information on opening 
a credit union account, home ownership programs and getting assistance paying utility bills.  
Call for information and information.

A number of communities, often in older suburbs or cities, have down-payment assistance to 
first-time buyers.  The terms vary but often there's a forgivable loan  for the  amount of the down payment, but the buyer must meet certain conditions.  Warren, Pontiac, Westland, etc. all have programs as well as Wayne County.  Call the development department in your community 
to see if it has such a program.

Metro Detroit Coalition's Neighborhood Stabilization Program Partnership       
Phone: 866-996-9754
Website:  www.homerenewalsystems.com 
Fifteen local communities are joining forces with the Michigan Association of Realtors, the Michigan State Housing Development Authority, various lenders and non-profits and other groups for a statewide initiative to sell more foreclosed homes during 2011.   The idea of the program is 
to highlight federal programs that can help homebuyers purchase foreclosed homes.  The goal
is to sell 100 foreclosed and newly built homes in the 15 communities to low and moderate income buyers this year.  The communities taking part are Eastpointe, Ecorse, Ferndale, Hazel Park, Holly, Inkster, Keego Harbor, Lake Orion, Oak Park, Ortonville, Pontiac, Redford, River Rouge, Royal Oak Township and Westland.  As part of the program, the participating communities are offering down payment assistance.  Funds are also being offered to have Farmington Hills based Home Renewel Systems restore the properties.  
Buyers must have a minimum income of at least $1,200 a month.  Down payment assistance and credit counseling are available.  To purchase a home, the income of a one-person household must
be below $58,700 and a four-person household must be below $83,900.  A portion of the homes are being set aside for buyers with a one-person household income of less than $24,450 and four-person household incomes of less than $34,950.  

AmeriDream Solutions
A non-profit group that runs a no down-payment program for buyers.
Phone:  866-716-3633
Weekdays from 8:30 a.m. to 5:30 p.m.
Website:  www.ameridream.org
Nehemiah Corp.
Phone:  877-634-3642
Weekdays from 9 a.m. to 8 p.m. 
Website:  www.nehemiahcorp.org


Home Links Program
400 W. South Street
Adrian MI  49221
Phone:  517-263-7861
Pre-and-post purchase counseling, assists with credit report issues, down payment & closing 
costs assistance, pre-purchase home inspection, foreclosure prevention, home repair, low-income families.


See Community Housing Network below under Oakland County!

Macomb Habitat for Humanity             
130 N. Groesbeck
Mt. Clemens  MI  48043
Phone:  586-263-1540
Email:  rjohnson@macombhabitat.org 
Website:  www.macombhabitat.org

With significant sweat equity on the part of a family, veteran or senior, we build, rehab and repair homes, so that these individuals can become mortgage paying, tax-base contributors to their communities.  Serves all cities and townships located in Macomb County. 

AmeriDream Downpayment Initiative  
Phone:  586-469-7378
Email:  mccsa@macombcountymi.org
Website:  www.macombcountymi.org


Monroe County Opportunity Program (M.C.O.P.)
1140 S. Telegraph Road
Monroe MI  48161
Phone:  734-241-2775  ext. 202
Website:  www.monroecountyopp.org
Permanent Supportive Housing
Links to Homeownership
Homeownership Counseling
Federal Emergency Management Assistance (FEMA)
Family Self-Sufficiency Program
Continuum of Care Partnership
Assistance is provided in obtaining MSHDA services including: the above programs and 
IDEA accounts, low-interest morgages, and first-time homeowner assistance. 
M.C.O.P. --- Homebuyer Purchase Rehab
Funding for down payment assistance and costs for repairs needed on the home.  If home 
is located in City of Monroe, M.C.O.P. can help with up to $10,000 down payment assistance 
and $20,000 in rehab.  

14930 LaPlaissance Road  Suite 111
Monroe MI  48161
Phone:  734-243-2048 x 115
Email:  sisabell@habitatmonroemi.org
Website:  www.habitatmonroemi.org
Non-profit housing organization that builds simple, decent, affordable homes in partnership 
with those in need of adequate shelter.  Homes are purchased by the families with 0% interest.  
You must have lived in Monroe County for the past 12 months.  applications are accepted annually from individuals and families who are seeking home ownership.  Selection is based on income 
and need.  Those selected must provide at least 250 hours of sweat equity per adult in the building 
of the house. 


Lighthouse Community Development
A subsidiary of Pontiac-based Lighthouse of Oakland County
Phone: 248-920-6200  
Plans to buy six Ferndale houses that are in foreclosure, fix them up and re-sell them to first-time buyers.  The project will help rehabilitate neighborhoods and provide housing to lower-income buyers. Lighthouse has offered a similar program in Pontiac for about 15 years.

Oakland HOME Program
Main office:
Community Housing Network
570 Kirts Blvd, Suite 231
Troy, MI 48084
Phone: 248-928-0111 in Oakland County     Toll free: 866-282-3119
Wayne office:
Community Housing Network
35425 W Michigan Ave., Ste. 3649 
Wayne, MI 48184
Phone: 734-419-7538
Macomb office (located at Hope Center):
33222 Groesbeck Highway
Fraser, MI 48026
Hours vary. Please call for appointment: 866-282-3119
E-mail: generalmail@chninc.net 
Website: www.chninc.net
Phone:  248-824-7315  Anita Davis 
Email:  adavis@chninc.ne
The Oakland HOME Program is geared toward people who are interested in owning a home but may not think they have the credit score or income to do so. CHN has a limited number of opening in its Oakland HOME Program for individuals or families who meet the following criteria: accomplish that goal. Tri-merge credit score of at least 620 (This is the middle score of the three credit scores, it will 
be combined if married)
Maximum household income of no greater than 80 percent area median income (AMI) adjusted for family size  (see chart below)
Minimum monthly income of $1,700
Have $1,500 for down payment
Any bankruptcies or foreclosures must be at least two years old
Home purchase must be in Oakland County, but cannot be in Pontiac, Waterford, Farmington Hills, Southfield, and Royal Oak. Homebuyer does not need to currently reside in Oakland County.
The Oakland HOME Program also includes a subsidy to complete rehab/accessibility work on the house selected for purchase, as well as a subsidy to buy down the mortgage amount to ensure the
housing expenses are affordable for the homebuyer.
Family size 80%Max income
1 $36,050
2 $41,200
3 $46,350
4 $51,500
5 $55,650
6 $59,750
7 $63,900
8 $68,000
All prospective homebuyers will need to complete a CHN Homebuyer Education class. Homebuyer financial assistance, home rehab subsidies and mortgage subsidies are all available to qualified applicants.

Oakland County Homebuyer Program for Vacant Foreclosed Properties (NSP)
Community & Home Improvement Division
250 Elizabeth Lake Road
Pontiac MI  48341-0414
Phone: 248-858-1529
Website:  www.oakgov.com/
Oakland County's Homebuyer Program provides loans to homebuyers for down payment assistance, closing costs, pre-paid, reasonable discount points, home improvements or other financing associated with purchasing eligible vacant foreclosed single family homes located within select participating Oakland County communities.  The home must be purchased by the homebuyer as 
their primary residence.  Homebuyers must income-qualify based on income limits established 
by HUD. Homebuyers with incomes at or below 50% of Area Median Income (AMI) are eligible for assistance. Eligible incomes by family size are identified in Attachment B.  See the website for 
further details!


Links to Home Ownership Program of Washtenaw County
Pre-purchase homebuyer education
Home maintenance training
Credit Counseling
Financial management education
Up to $10,000 down payment assistance
Up to $5,000 credit repair assistance
Up to $750 general contractor inspection assistance
Qualifying families must have a minor child under 18 and meet income guidelines.

Washtenaw County MSU Extension
705 N. Zeeb Road
PO Box 8645
Ann Arbor MI  48107-8645
Phone: 734-997-1678
Washtenaw County Community Housing Alternatives
Phone: 734-434-6559

Bargains & 

Subscription Sites:

These two sites are 
free for seven days 
and offer monthly 
subscription levels 
($29 to $49) after that!







Government Homes:


Fannie Mae


Freddie Mac

This page was last updated: December 1, 2018