LOW-INCOME HOME BUYING ASSISTANCE

INDIAN HOUSING

U.S. Department of Housing and Urban Development 
451 7th Street S.W.
Washington, DC  20410
Phone: 202-708-1112
Website: https://www.hud.gov/program_offices/public_indian_housing/ih/homeownership/184
Program Overview:
The Section 184 Indian Home Loan Guarantee Program is a home mortgage product 
specifically designed for American Indian and Alaska Native families, Alaska villages, 
tribes, or tribally designated housing entities. Congress established this program in 
1992 to facilitate home-ownership and increase access to capital in Native American 
Communities.
&
With Section 184 financing borrowers can get into a home with a low-down payment 
and flexible underwriting. Section 184 loans can be used, both on and off native lands, 
for new construction, rehabilitation, purchase of an existing home, or refinance.

VETERANS

Please also see the Veteran Resources webpage as well as the Veterans Financial Resources webpage.

GOOD NEIGHBOR NEXT DOOR

The Good Neighbor Next Door Program
Website: https://www.hud.gov/program_offices/housing/sfh/reo/goodn/gnndabot
Teachers, firefighters and emergency medical technicians can contribute to community 
revitalization while becoming homeowners through HUD's Good Neighbor Next Door 
Sales Program. HUD offers a substantial incentive in the form of a discount of 50% from 
the list price of the home. In return you must commit to live in the property for 36 months 
as your sole residence.

Michigan State Housing Development Authority 
(Program Hotline)
401 S. Washington Square
Lansing, MI  48933
Phone: 517-373-8017
Website:  www.michigan.gov/mshda
Loans, down payment assistance, acquisition/rehabilitation of a home. Serves All.


AVAILABLE IN MULTPLE COUNTIES

Habitat for Humanity
Website: https://www.habitat.org/about
Habitat for Humanity is a global nonprofit housing organization working in local 
communities across all 50 states in the U.S. and in approximately 70 countries. 
Habitat’s vision is of a world where everyone has a decent place to live. Habitat 
works toward our vision by building strength, stability and self-reliance in part-
nership with families in need of decent and affordable housing. Habitat home-
owners help build their own homes alongside volunteers and pay an affordable
mortgage.
&
Habitat for Humanity--Detroit        
14325 Jane 
Detroit, MI  48205
Phone: 313-521-6691  ext. 129
Email: info@habitatdetroit.org
Website: www.habitatdetroit.org 
&
Macomb County HFH
34950 Little Mack Ave.
c/o Baker College
Clinton Township, MI  48035-4071
Phone: 586-263-1540
Email: hhicks@macombhabitat.org
Website: www.macombhabitat.org   
&
HFH of Oakland County
150 Osmun 
Pontiac, MI  48342-3125
Phone: 248-338-1843
Email: info@habitatoakland.org
Website: wwwhabitatoakland.org
&
HFH of Western Wayne County
50430 School House 
Canton, MI  48187
Phone: 734-459-774
Email: aden@habtatwwc.org
Website: www.habitatwwc.org
&
Habitat for Humanity of Monroe County Veteran Ramp Program 
14930 LaPlaisance  Suite 111
Monroe, MI  48161
Phone: 734-243-2048
Website: https://habitatmonroemi.org
&
Huron Valley HFH Ann Arbor
2805 S. Industrial Hwy.  Suite 100
Ann Arbor, MI  48104
Phone: 73-677-155
Email: execdir@h4h.org
Website: www.h4h.org
&
Habitat for Humanity Lenawee 
410 E. Maumee 
Adrian, MI 49221
Phone: 517-265-6157
Website: https://www.habitat-lenawee.org/housing-programs/become-a-homeowner

National Faith Home Buyers
DETROIT
615 Griswold  Suite 506
Detroit, MI  48226
Phone: 313-255-9500
&
WESTLAND
32150 Dorsey   Suite 16
Westland, MI  48186
Phone: 313-255-9500
Website: http://nationalfaith.org/about
Our Mission is to assist our clients in realizing the American Dream of home ownership. 
Our program provides individuals and families with resources, knowledge, & financial 
assistance to become home owners. Will also provide help to prevent or avoid foreclosure.


METRO DETROT & WAYNE COUNTY

City of Taylor Community Development Program 
23555 Goddard 
Taylor, MI 48180
Phone: 734-287-6550
Website: http://www.cityoftaylor.com/208/Home-Repair-Programs-CDBG-HOME-PIP
CDBG Home Rehabilitation Loan Program (CDBG, HOME, PIP)
These programs are designed to provide emergency and other repairs of homes owned 
by lower-to-moderate residents. In general, the program allows improvements to a home 
to bring it to minimum code standards, correct barriers to mobility and health, and to ad-
dress safety hazards and energy improvements.The most common repairs include roofs, 
electrical, plumbing, and furnaces. Other repairs are allowed under the program, but re-
modeling is not covered, nor is substantial reconstruction.
&
The Programs are funded through the U.S. department of Housing and Urban Develop-
ment (HUD’s) CDBG program. Work is performed by qualified, licensed and insured 
contractors.The homeowners must agree to sign a Mortgage and Promissory note, 
which is filed against the property to secure the loan. There is no interest charged &
no payments are made during the life of the deferred loan, unless the homeowner 
moves or there is a change in the ownership of the property. 
​HOME Program
HOME provides formula grants to States and localities that communities use - often 
in partnership with local nonprofit groups - to fund a wide range of activities that 
build, buy, and rehabilitate affordable housing or provide direct rental assistance to 
low-income people.
MSHDA - Property Improvement Program (PDF)
PIP is a state program that helps residents with repairs in their home. Different from 
the HOME or CDBG Home Rehab program, PIP allows year-period payment plans.

LENAWEE COUNTY

See Habitat for Humanity above!


MACOMB COUNTY

See Habitat for Humanity above!

Community Housing Network 
Troy Office:
5505 Corporate Dr. Suite 300
Troy, MI 48098
Phone: 248-928-0111 866-282-3119 Toll-Free
&
Macomb Office
(Macomb County Family Resource Center)
196 N. Rose Suite 30
Mt. Clemens, MI 48043
Phone: 586-221-5900
Website: https://communityhousingnetwork.org/services/homeownership-program
Our homeownership program helps low- and moderate-income households purchase 
a quality, affordable home. We do this by purchasing existing homes in Oakland and 
Macomb counties, rehabilitating the homes and marketing them to homebuyers.


MONROE COUNTY

See Habitat for Humanity above!

Monroe County Opportunity Program (M.C.O.P.)
1140 S. Telegraph 
Monroe MI  48161
Phone:  734-241-2775  ext. 202
Website:  www.monroecountyopp.org
Assistance is provided in obtaining MSHDA services including: the above programs 
and IDEA accounts, low-interest mortgages, 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.  


OAKLAND COUNTY

Community Housing Network 
Troy Office:
5505 Corporate Dr. Suite 300
Troy, MI 48098
Phone: 248-928-0111 866-282-3119 Toll-Free
&
Macomb Office
(Macomb County Family Resource Center)
196 N. Rose Suite 30
Mt. Clemens, MI 48043
Phone: 586-221-5900
Website: https://communityhousingnetwork.org/services/homeownership-program
Our homeownership program helps low- and moderate-income households purchase 
a quality, affordable home. We do this by purchasing existing homes in Oakland and 
Macomb counties, rehabilitating the homes and marketing them to homebuyers.

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 hous-
ing to lower-income buyers. Lighthouse has offered a similar program in Pontiac for 
about 15 years.

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


WASHTENAW COUNTY

See Habitat for Humanity above!

VENTURE HOUSING
Phone: 248-209-2620 
Email: autumnb2@venturehousing.org 
Website: https://www.olhsa.org/venture-housing
Venture, Inc. believes that home ownership should be a reality for Oakland and 
Livingston County residents of all income levels.  We match home buyers to the 
right homes, facilitate home purchase, provide a list of lenders, and support home
 buyers through down payment assistance (when eligible) and home ownership 
counseling.

Links to Home Ownership Program of Washtenaw County
Financial management education
Qualifying families must have a minor child under 18 and meet income guidelines.

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



Bargains & 
Foreclosures


Subscription Sites:

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

www.foreclosure.com

www.realtytrac.com



Auctions:

www.realtybid.com

www.Hudsonandmarshall.
com



Government Homes:

www.homesales.gov


Fannie Mae

www.homepath.com


Freddie Mac

www.homesteps.com
This page was last updated: July 6, 2021