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The Search

Asking For Help With Housing

To give you money for a security deposit or a shelter bed, an agency usually needs to “verify” your status. They typically ask for:

  • A Homeless Verification Letter: This is a letter from a “third party” (like a shelter, a caseworker, or a soup kitchen) stating they have seen you and know you are sleeping in a place not meant for human habitation (like a car or the street).

  • HMIS Record: Most agencies in Michigan use the Homeless Management Information System. If you’ve ever stayed in a shelter or talked to a housing agent in Macomb or Detroit, you likely already have an “HMIS ID” in the system.

  • Proof of Income (or lack thereof): They need to know if you can afford the rent after they help you with the deposit. If you have $0 income, you will often need to sign a statement of no income.

You need an ID to get housing, but you need a permanent address to get an ID. In Michigan, there are ways to break this loop:

  • The Homeless Fee Waiver: Under Michigan law (SB 404), if you can prove you are homeless (via a verification letter), the Secretary of State must waive the fee for a state ID.

  • Vital Records Waiver: Agencies like MCREST or Macomb Community Action can often help you pay for and order a new birth certificate if yours was lost or stolen.

  • The “Detroit ID” (D-ID): If you are in Detroit, the city offers a municipal ID that accepts “alternative” proofs of identity (like a letter from a shelter or a witness affidavit) if you don’t have a birth certificate or social security card.

  • Call Macomb Community Action (HARA) at (586) 469-5656. Tell them you need a “Housing Assessment.” This creates your digital record (HMIS), which acts as your “proof” for other agencies.

  • Go to a “Day Center” or Soup Kitchen. Ask the director if they can provide a “Homeless Verification Letter” on their official letterhead.

  • Apply for SER via MI Bridges. Even if you don’t have all your documents, submit the application anyway. This locks in your date of request. The state will then send you a “Checklist” of exactly what they need, and you have 10 days to find it.

Every county has a Housing Assessment and Resource Agency (HARA). They manage the “Relocation Budgets” provided by federal grants (ESG and HUD).

New for 2026: The “ROAD to Housing” Grants

Under the newly passed 21st Century ROAD to Housing Act (March 2026), local municipalities now have more flexibility to use federal funds for Security Deposit Pilot Programs.

  • How to ask: Contact your City Manager’s Office or Local Housing Commission (e.g., Eastpointe Housing Commission) and ask if they have received any new “ROAD Act” allocations for “Security Deposit Waivers” or “Move-in Grants.”


How to Phrase Your Request

When you call these agencies, use these specific keywords to trigger the right “budget” in their system:

  1. “I am seeking Relocation Assistance because I am currently literally homeless.”

  2. “Do you have Rapid Re-Housing (RRH) funds available for security deposits?”

  3. “I need help with a one-time move-in grant to secure a lease.”

CountyAgency Name (The HARA)Phone Number
MacombCommunity Housing NetworkMacomb Community Action(586) 469-6999
Wayne (Detroit)CAM (Coordinated Assessment Model)(313) 305-0311
OaklandCommunity Housing Network(248) 269-1335
WashtenawHousing Access of Washtenaw County(734) 961-1999
GeneseeGenesee Community Health Center(810) 600-4525
KentSalvation Army (HARA Intake)(616) 454-5840

The City of Detroit just launched Round 3 of its Down Payment Assistance (DPA) program on March 11, 2026. This program is designed to help renters become owners by handing them a check for up to $25,000 to cover the massive upfront costs of buying a home.

Here is the “no-jargon” guide on how it works and how to get it.


1. What is the deal?

The city gives you a grant (free money, not a loan) of up to $25,000.

  • You can use it for your down payment, closing costs, or to lower your interest rate.

  • The Catch: You must live in the house for at least 3 years. If you sell it or move out before then, you have to pay some or all of the money back.

2. Do you qualify?

You can likely apply if you check these four boxes:

  1. Detroit Resident: You have lived in the city for at least the last 12 months (or you lost a Detroit home to tax foreclosure between 2010–2016).

  2. First-Time Buyer: You haven’t owned a home anywhere in the last 3 years.

  3. Income Limit: Your total household income is below the limit for your family size (80% of the Area Median Income).

Household SizeMax Yearly Income (2026)
1 Person$56,600
2 People$64,650
3 People$72,750
4 People$80,800
  1. Special Priority: If you were affected by the August 2023 floods, your application moves to the front of the line (you’ll need your FEMA or DWSD claim number).

3. The 4 Steps to Apply (In Order)

You cannot just call the city and ask for the money. You have to follow this exact order:

  • Step 1: Get Pre-Qualified. Talk to a bank or lender and get a letter saying they are willing to give you a mortgage.

  • Step 2: Take a Class. You must complete a HUD-approved homebuyer education course. This usually costs $50–$125 and teaches you how mortgages work.

  • Step 3: Find a House. You must have a signed purchase agreement (a contract to buy a specific house in Detroit) before you apply for the grant.

  • Step 4: Apply Online. Once you have the bank letter, the class certificate, and the house contract, go to detroitmi.gov/DPA to submit your application.

4. Where to get help

If the website is confusing, these organizations are paid by the city to help you finish your application for free:

  • National Faith Homebuyers: (313) 255-9500

  • Detroit Housing Resource HelpLine: Call 866-313-2520 (Select Option 3).

TIP:

If you’re trying to get:

  • Housing help

  • Rental assistance

  • Shelter placement

👉 Say this when you call or walk in:

“I need to be added to Coordinated Entry / HMIS for housing assistance.”

That tells them you understand the system and speeds things up.

The Language

  • Housing: Structures or dwellings where people live, such as houses, apartments, and condos.
  • Shelter: A place providing temporary protection from bad weather or danger.
  • Residence: A place where someone lives; a home.
  • Dwellings: Places where people live, including houses, apartments, and other living spaces.
  • Tenure: The conditions under which land or buildings are held or occupied.
  • Tenant: A person who rents property from a landlord.
  • Landlord: A person or organization that rents out property.
  • Lease: A contractual agreement where one party (the tenant) rents property from another party (the landlord) for a specified period.
  • Land contract: A  legal agreement in which the seller of a property provides financing to the buyer for the purchase of the property. Instead of the buyer obtaining a mortgage from a bank or other financial institution, the buyer makes payments directly to the seller.
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When agencies that are paid to help you are instead being unhelpful, biased, or ignoring safety protocols, you have to move past the “front desk” and start the accountability process.

It is a serious violation of policy for a caseworker to force you to name a father if you have a “Good Cause” reason (like domestic violence).

  • The Rule: You have a legal right to claim “Good Cause” for not cooperating with child support. You do not need a police report; your own sworn statement that you are in danger is often enough.

  • The Form: Ask for DHS-2168 (Claim of Good Cause). If your specialist refuses, they are breaking MDHHS policy.

  • The Accountability Step: Request a Fair Hearing. Fill out form DCH-0018 (Request for Administrative Hearing). This takes the decision out of your caseworker’s hands and puts it in front of a Judge.

  • The Complaint: Contact the MDHHS Office of the Inspector General (OIG) at 855-644-3728 to report worker misconduct or favoritism.

If Project Clean Slate (PCS) is not responding or you feel you are being treated unfairly, remember they are a City of Detroit program.

  • The Accountability Step: Contact the Detroit Office of Inspector General (OIG). Their job is to investigate city programs that are wasteful, incompetent, or unfair.

    • Phone: (313) 628-2517

    • Email: ReachOIG@detoig.org

  • The Mayor’s Office: Since PCS is a “Mayor’s Initiative,” you can file a formal grievance through the Mayor’s Office of Constituent Services at (313) 224-3400.

Legal Aid (like Lakeshore Legal Aid) receives federal money from the Legal Services Corporation (LSC). If they are ignored you or providing poor service, they have a mandatory grievance process.

  • The Accountability Step: Every Legal Aid office must have a Client Grievance Procedure. Ask for the “Grievance Form.” If they don’t give it to you, they are in violation of federal law.

  • The Federal Level: If the local office doesn’t fix it, file a complaint with the Legal Services Corporation (LSC) at lsc.gov/submit-complaint.

  • Project clean slate

If you believe these denials are based on race, favoritism, or bias, you can bypass the local agencies entirely.

  • Michigan Department of Civil Rights (MDCR): File a formal complaint of discrimination. They have the power to investigate state and city agencies.

  • HUD Fair Housing (for Housing Programs): If a housing assistance program is being biased, file a complaint with the Office of Fair Housing and Equal Opportunity (FHEO).

    • Phone: 1-800-669-9777

Pro-Tip for “Paperwork Trails”

When dealing with these people from now on:

  1. Get Names: Write down the name of every person you speak to.

  2. The “Confirming Email”: After a bad call, send an email (if you can) saying: “Per our call on March 17, you stated you would not process my Good Cause waiver despite my safety concerns. I am documenting this for my Fair Hearing request.” Would you like me to help you find the phone number for the specific “Good Cause” supervisor in the Macomb/Wayne County MDHHS office so you can bypass your regular caseworker?

  3. Real tip (this matters)

    If you’re trying to get:

    • Housing help

    • Rental assistance

    • Shelter placement

    👉 Say this when you call or walk in:

    “I need to be added to Coordinated Entry / HMIS for housing assistance.”

    That tells them you understand the system and speeds things up.

communication

Speaking on the phone may feel uncomfortable at first, but it becomes easier with practice. Being clear, respectful, and prepared helps people take you seriously. Learning how to communicate about housing is an important step toward independence and having the freedom to live where you choose.

Scenario 1: Calling About an Apartment Listing

Introduction

Hello, my name is _______. I’m calling about the apartment listing I saw online. Is the unit still available?

Gathering Information

Could you tell me how much the monthly rent is and what utilities are included?

Requirements

What are the move-in requirements? For example, the security deposit or application fee.

Scheduling a Viewing

Would it be possible to schedule a time to see the apartment?

Closing

Thank you for the information. I appreciate your time.


Scenario 2: Asking About Move-In Costs

Introduction

Hello, my name is _______. I’m interested in renting an apartment there and wanted to ask a few questions.

Clarifying Costs

Could you explain the total move-in costs? I want to understand the security deposit, first month’s rent, and any other fees.

Application Process

Do you require a background check or credit check for applicants?

Next Steps

What would be the next step if I decide to apply?

Closing

Thank you for explaining that. This helps me understand the process better.


Scenario 3: Asking About Income Requirements

Introduction

Hello, I’m calling about the apartment you have listed for rent.

Income Requirement Question

Do you have an income requirement for tenants, such as needing to make two or three times the rent?

Documentation

What documents do applicants usually need to provide, like pay stubs or proof of income?

Clarification

If someone is self-employed or works gig jobs, how do they show income?

Closing

Thank you for answering my questions. I appreciate the guidance.


Scenario 4: Asking About Neighborhood and Amenities

Introduction

Hello, I’m calling to ask about the apartment you have available.

Location Questions

Could you tell me a little about the neighborhood and what stores or transportation options are nearby?

Amenities

Does the property include things like parking, laundry, or internet?

Safety and Maintenance

Who should tenants contact if something needs repair in the apartment?

Closing

Thank you for taking the time to explain everything.


Scenario 5: Following Up After Seeing an Apartment

Introduction

Hello, this is _______. I recently came to see the apartment at _______.

Interest

I wanted to let you know I’m interested in the unit and had a few follow-up questions.

Application

Is the apartment still available, and are you currently accepting applications?

Timeline

How long does the approval process usually take?

Closing

Thank you again for showing the apartment and answering my questions.

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LEASE AGREEMENTS

  • Lease: A contractual agreement where one party (the tenant) rents property from another party (the landlord) for a specified period.
  • Land contract: A  legal agreement in which the seller of a property provides financing to the buyer for the purchase of the property. Instead of the buyer obtaining a mortgage from a bank or other financial institution, the buyer makes payments directly to the seller.
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What Is Renters Insurance?

Renters insurance is a small monthly insurance policy that protects your personal belongings and financial responsibility while you are renting a home or apartment.

Even though you don’t own the building, you still own the things inside it.

Renters insurance helps protect things like:

• clothes
• furniture
• electronics
• laptops and phones
• appliances you own
• bicycles or other personal items


What Problems Does It Cover?

Most renters insurance policies help if something happens like:

• fire
• theft
• vandalism
• some water damage
• certain natural disasters

For example, if a fire damages your apartment and your belongings are destroyed, renters insurance can help pay to replace them.


Liability Protection

Another reason landlords require renters insurance is liability coverage.

This protects you if someone gets injured in your apartment.

Example:
A guest slips and falls in your apartment and needs medical care. Liability coverage may help pay those costs.

Safety and Neighborhood Research

Before moving somewhere, research the neighborhood.

Students can check:

CrimeGrade.org
NeighborhoodScout.com
City-data.com

Transportation Research

Adults also check how easy it is to travel to work, school, or stores.

Students can search:

Google Maps
www.google.com/maps

Check:

• distance to grocery stores
• bus routes
• distance to hospitals
• travel time to jobs

Transportation Research

Adults also check how easy it is to travel to work, school, or stores.

Students can search:

Google Maps
www.google.com/maps

Check:

• distance to grocery stores
• bus routes
• distance to hospitals
• travel time to jobs

Being open-minded and not afraid to leave the hood or homies behind can create opportunities you once dreamed of. Explore these 13 ways of keeping a roof over your head.

State Farm
Allstate
Progressive
GEICO
Farmers Insurance
Lemonade Insurance

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