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Down payment assistance in Miami-Dade: all 22, one by one

There are 22 down payment assistance programs you can use to buy a home in Miami-Dade: from the county, from the State of Florida, from federal banks and from 7 cities. 8 are open according to their own source; the rest do not publish their status or have a waitlist. Above, you can see in a minute which ones could fit you; below are all of them, with their amount, how the money works and who offers it.

Want to understand how these programs work before choosing one? Read our down payment assistance guide.

From Miami-Dade County

Miami-Dade County Homebuyer Down Payment Assistance

Amount
up to $35,000
How it works
0% loan with no monthly payment; repaid when you sell, refinance, or after 30 years.
Offered by
Miami-Dade Public Housing and Community Development (PHCD)
Status
Status not published The page does not say open or closed and has no pause notice; funds are given out "first-come first-serve". (checked on October 5, 2026)
Where
All of Miami-Dade
Maximum home price
$451,000
Income limit
$136,500 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
Alone or together with the county loan (HLP). Combined loans up to 105% of the value.

Still to confirm

  • The income limit: the county page and its 2025 table give two different official figures; we use the lower one
  • The maximum price: the page says there is none, and the guide cites a $451,000 cap; we use the cap
  • For households of 5 or more, the exact limit is confirmed by the lender
  • That you put at least 1% of the price from your own pocket
  • The homebuyer course with a HUD-approved counselor
  • That you are a U.S. citizen or permanent resident
  • That you live in Miami-Dade when you apply and at closing
  • That your mortgage is fixed-rate

Official source

MDEAT Homeownership Assistance Program

Amount
up to $28,000 (up to $14,000 if the household earns more than 80% of the median)
How it works
0% loan with no payments, forgiven if you live 20 years in the home; only for down payment and closing.
Offered by
Miami-Dade Economic Advocacy Trust (MDEAT), Housing Division
Status
Status not published The page says it is given "based on need and availability" / "subject to the availability of funds"; no closing notice. (checked on October 5, 2026)
Where
All of Miami-Dade
Income limit
$190,680 for a household of 4
First-time buyer
Not required
Combines
Yes, with county, city and state assistance. Combined loans up to 105% of the value.

Still to confirm

  • The amount: today it is $28,000 / $14,000, but older MDEAT documents say $28,500 / $14,500; we use the lower one
  • Whether you must be a first-time buyer: the page does not require it, but a 2023 notice mentions it
  • Credit and immigration status are decided by the lender; MDEAT does not publish them
  • It is recommended that you put 1% of the price (or 3% if you earn more than the median)
  • The homebuyer course, if you combine it with other assistance

Official source

Miami-Dade HFA First-Time Homebuyer Program

Amount
up to $15,000
How it works
0% second mortgage with no monthly payment, together with an HFA 30-year fixed mortgage.
Offered by
Housing Finance Authority of Miami-Dade County
Status
Status not published The website lists it as an active program, with no closing date or balance. (checked on October 5, 2026)
Where
All of Miami-Dade
Maximum home price
$654,350
Income limit
$148,680 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
Yes, with other community assistance.

Still to confirm

  • The income and price limits: the HFA website gives two different official figures; we use the lower ones
  • A credit score of 660 or higher
  • 24 months in the same line of work
  • That you are a U.S. citizen or permanent resident
  • The 8-hour homebuyer course
  • In some areas you do not need to be a first-time buyer and the limits are higher

Official source

Miami-Dade County Homebuyer Loan Program

Amount
up to $100,000 in priority areas (up to $80,000 outside them)
How it works
Second mortgage with a monthly payment, at 1% or 2%, over 30 years; not forgiven.
Offered by
Miami-Dade Public Housing and Community Development (PHCD)
Status
Status not published No pause notice; funds are given out "first-come first-serve". (checked on October 5, 2026)
Where
All of Miami-Dade
Maximum home price
$451,000
Income limit
$173,460 for a household of 4
First-time buyer
Not required
Combines
It can be combined with the county $35,000 down payment assistance.

Still to confirm

  • The maximum price: the page says there is none, and the guide cites a $451,000 cap; we use the cap
  • That you do not own a home when you apply
  • That you are a U.S. citizen or permanent resident
  • 24 months in the same line of work
  • A down payment of at least 3%, with 1% from your own pocket
  • That your debts do not exceed 45% of your income
  • That your lender is on the county list
  • The income limit is from the 2025 table; the county has not published the 2026 one yet

Official source

From the State of Florida (Florida Housing)

FL Assist (Florida Housing)

Amount
up to $10,000
How it works
0% loan with no monthly payment; repaid when you sell, refinance, or after 30 years.
Offered by
Florida Housing Finance Corporation (eHousingPlus)
Status
Status not published Listed as a current product in the master term sheet of Sep 17, 2026; no balance is published. (checked on October 5, 2026)
Where
All of Miami-Dade
Maximum home price
$697,889
Income limit
$156,630 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
It does not stack with another Florida Housing assistance. It does with a county or city one if that one is in third position.

Still to confirm

  • A credit score of 640 or higher
  • A HUD-approved homebuyer course, before closing
  • With an FHA, VA or USDA loan, permanent residency; with a conventional loan, legal residency is enough
  • That you have not used a Florida Housing purchase assistance before (it is once in a lifetime)
  • The income limit is the Bond version one; with the TBA version it may differ and the lender confirms it
  • If you buy in a federal priority area, the income and price limits are higher

Official source

Hometown Heroes (Florida Housing)

Amount
5% of the loan, from $10,000 to $35,000
How it works
0% loan with no monthly payment; not forgiven: repaid when you sell, refinance, or after 30 years.
Offered by
Florida Housing Finance Corporation (eHousingPlus)
Status
Open "Over $25 Million Available in Hometown Heroes DPA" on the administrator's page (the figure is undated). (checked on October 5, 2026)
Where
All of Miami-Dade
Income limit
$204,300 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
It does not stack with another Florida Housing assistance. It does with a county or city one if that one is in third position.

Still to confirm

  • That you or your co-buyer work full time in Florida in health care, schools, law enforcement, fire, courts or child care, or are military or a veteran with a full-time job
  • A credit score of 640 or higher
  • A HUD-approved homebuyer course, before closing
  • With an FHA, VA or USDA loan, permanent residency; with a conventional loan, legal residency is enough
  • That you have not used a Florida Housing purchase assistance before (it is once in a lifetime)
  • The income limit is the TBA version one; in the Bond version it is lower ($136,200 for 1-2 people)
  • The loan cannot exceed $667,000 (FHA) or $832,750 (conventional)

Official source

FL HLP (Florida Housing)

Amount
up to $10,000
How it works
Loan with a small monthly payment; whatever is left is paid when you sell or refinance.
Offered by
Florida Housing Finance Corporation (eHousingPlus)
Status
Status not published Listed as a current product in the master term sheet of Sep 17, 2026; no balance is published. (checked on October 5, 2026)
Where
All of Miami-Dade
Maximum home price
$697,889
Income limit
$156,630 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
It does not stack with another Florida Housing assistance. It does with a county or city one if that one is in third position.

Still to confirm

  • The amount and term: Florida Housing gives two official figures ($10,000 over 15 years and $12,500 over 30 years at 3%); we use the lower one
  • That the monthly payment fits within the debt your lender allows
  • A credit score of 640 or higher
  • A HUD-approved homebuyer course, before closing
  • With an FHA, VA or USDA loan, permanent residency; with a conventional loan, legal residency is enough
  • That you have not used a Florida Housing purchase assistance before (it is once in a lifetime)
  • The income limit is the Bond version one; with the TBA version it may differ and the lender confirms it

Official source

HFA PLUS 3%, 4% or 5% (Florida Housing)

Amount
3%, 4% or 5% of the loan
How it works
Loan forgiven over 5 years, 20% per year.
Offered by
Florida Housing Finance Corporation (eHousingPlus)
Status
Status not published Listed as a current product in the master term sheet of Sep 17, 2026, only with the FL HFA Advantage PLUS mortgage; no balance is published. (checked on October 5, 2026)
Where
All of Miami-Dade
First-time buyer
Yes: no home owned in the last 3 years
Combines
It does not stack with another Florida Housing assistance. It does with a county or city one if that one is in third position.

Still to confirm

  • The income and price limits: we do not have them published; the lender confirms them
  • That your mortgage is a Freddie Mac conventional loan (FL HFA Advantage PLUS)
  • A credit score of 640 or higher
  • A HUD-approved homebuyer course, before closing
  • With an FHA, VA or USDA loan, permanent residency; with a conventional loan, legal residency is enough
  • That you have not used a Florida Housing purchase assistance before (it is once in a lifetime)

Official source

Through banks and lenders

FHLBank Atlanta First-Time Homebuyer assistance

Amount
up to $17,500
How it works
Money you do not repay if you live 5 years in the home; if you sell earlier, part of it is recaptured.
Offered by
Federal Home Loan Bank of Atlanta, a través de un banco miembro
Status
Status not published The $40 million fund opened on Feb 26, 2026, first come, first served; it does not publish how much is left. (checked on October 5, 2026)
Where
All of Miami-Dade
Income limit
$109,000 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
The program sheet does not prohibit it; with Florida Housing it is not confirmed.

Still to confirm

  • That you put at least $1,000 from your own pocket
  • A financial counseling course before closing
  • That your bank is an enrolled member of the program and still has allocation this year

Official source

FHLBank Atlanta assistance for police, teachers, health care workers and military

Amount
up to $20,000
How it works
Money you do not repay if you live 5 years in the home; if you sell earlier, part of it is recaptured.
Offered by
Federal Home Loan Bank of Atlanta, a través de un banco miembro
Status
Status not published It comes from the same $40 million fund opened on Feb 26, 2026; it does not publish how much is left. (checked on October 5, 2026)
Where
All of Miami-Dade
Income limit
$109,000 for a household of 4
First-time buyer
Not required
Combines
The program sheet does not prohibit it; with Florida Housing it is not confirmed.

Still to confirm

  • That you are a police officer, teacher, health care worker, firefighter or other first responder (active or retired), a veteran, active military or a surviving spouse
  • That you put at least $1,000 from your own pocket
  • A financial counseling course before closing
  • That your bank is an enrolled member of the program and still has allocation this year

Official source

FHLBank Atlanta Workforce Housing Plus+

Amount
up to $15,000
How it works
Money you do not repay, for middle-income households.
Offered by
Federal Home Loan Bank of Atlanta, a través de un banco miembro
Status
Status not published $20 million fund since Feb 26, 2026; it does not publish how much is left. (checked on October 5, 2026)
Where
All of Miami-Dade
Income limit
$163,440 for a household of 4
First-time buyer
Not required
Combines
The program sheet does not prohibit it; with Florida Housing it is not confirmed.

Still to confirm

  • That you put at least $1,000 from your own pocket
  • A financial counseling course before closing
  • That your bank is an enrolled member of the program and still has allocation this year

Official source

Chenoa Fund

Amount
up to 5% of the price
How it works
Second mortgage for the down payment, repaid or forgiven depending on the case; mostly with an FHA loan.
Offered by
CBC Mortgage Agency
Status
Status not published Its Florida page says it does not run out of funds; it does not publish an open or closed status. (checked on October 5, 2026)
Where
All of Miami-Dade
First-time buyer
Not required

Still to confirm

  • A credit score of 600 or higher
  • That your lender is approved by Chenoa Fund
  • The income limit and whether it is repaid or forgiven are confirmed by the lender

Official source

From the cities

City of Miami First-Time Homebuyer Program

Amount
based on the number of bedrooms, up to $130,002
How it works
0% loan with no monthly payment, forgiven after 30 years if it is your primary residence.
Offered by
City of Miami, Department of Housing & Community Development
Status
Open Open, "first-ready, first-served"; the city reserves the right to cancel it if funds run out. (checked on October 5, 2026)
Where
Only in Miami
Maximum home price
$494,000
Income limit
$109,000 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • The amount: the page gives no figure, and the city plan and its brochure give two different caps; we use the lower one
  • That you put at least $500 from your own pocket
  • No bankruptcy in the last 24 months
  • That your lender is on the city list
  • That your mortgage is a 30-year fixed

Official source

City of Hialeah First-Time Homebuyer Program

Amount
up to $150,000
How it works
0% loan with no monthly payment, forgiven after 15 years; part of it goes to home improvements.
Offered by
City of Hialeah, Housing and Community Services Division
Status
Open "OPEN" — online application on the city's Neighborly portal. (checked on October 5, 2026)
Where
Only in Hialeah
Income limit
$109,000 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • The income limit: the city website says 80% of the median and its SHIP plan says 140%; we use the lower one
  • That you put 2% of the price from your own pocket
  • The homebuyer course (certificate less than 6 months old)
  • A pre-approval letter
  • The maximum home price is confirmed by the city
  • That you give the city at least 45 days before closing

Official source

City of Miami District 5 Expanded First-Time Homebuyer Program

Amount
up to $200,000, based on income and need
How it works
0% loan with no monthly payment, forgiven after 30 years.
Offered by
City of Miami, Department of Housing & Community Development
Status
Open Open, "first-ready, first-served" until funds run out. (checked on October 5, 2026)
Where
Only in Miami · District 5 of the City of Miami
Maximum home price
$500,000
Income limit
$163,440 for a household of 4
First-time buyer
Not required

Still to confirm

  • That you are a first-time buyer (the program name says so; the page gives no detail)
  • If you are a police officer, firefighter or military, the income limit rises to 140% of the median

Official source

City of North Miami First-Time Homebuyer (SHIP funds)

Amount
up to $40,000
How it works
0% loan with no monthly payment, forgiven after 7 years.
Offered by
City of North Miami, Housing and Social Services Department
Status
Open "Application is open until funds are depleted", first come, first served. (checked on October 5, 2026)
Where
Only in North Miami
Maximum home price
$460,000
Income limit
$190,680 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • The 8-hour HUD-approved homebuyer workshop
  • That you can cover 3% of the price
  • The 140% income limit comes from the 2024 application; the city confirms it

Official source

City of North Miami First-Time Homebuyer (HOME funds)

Amount
based on what you can afford (the 2024 application says up to $40,000)
How it works
0% loan with no monthly payment, forgiven over up to 15 years.
Offered by
City of North Miami, Housing and Social Services Department
Status
Open "Application is open until funds are depleted", first come, first served. (checked on October 5, 2026)
Where
Only in North Miami
Maximum home price
$370,000
Income limit
$109,000 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • The maximum price: the website says $370,000 and the application $415,000; we use the lower one
  • The exact amount is set by the city based on what you can afford
  • The 8-hour HUD-approved homebuyer workshop
  • That you can cover 3% of the price

Official source

City of Homestead Down Payment Assistance

Amount
up to $30,000
How it works
0% loan with no monthly payment, forgiven after 10 years.
Offered by
City of Homestead, Community Development & Human Services Division
Status
Open Active, "funding limited and subject to availability". (checked on October 5, 2026)
Where
Only in Homestead
Maximum home price
$494,000
Income limit
$109,000 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years
Combines
It allows a third mortgage if the county also finances.

Still to confirm

  • That you put 3% of the price from your own pocket
  • That your credit is acceptable to the lender and you have had no bankruptcy in 24 months
  • That your debts do not exceed 45% of your income
  • That the home is not inside the Homestead CRA area

Official source

City of Miami Gardens Purchase Assistance Program

Amount
up to $20,000
How it works
0% loan with no monthly payment, forgiven over 5 years, 20% per year.
Offered by
City of Miami Gardens, Community Development Department
Status
Open It accepts pre-applications on its Neighborly portal; "funds are limited". (checked on October 5, 2026)
Where
Only in Miami Gardens
Maximum home price
$382,195
Income limit
$163,440 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • The amount: the website says $20,000 and the city plan $30,000; we use the lower one
  • The income limit: the city still publishes the 2024 table, which is lower (1 person $95,400); the current one is confirmed by the city
  • Credit and status are confirmed by the city

Official source

City of Miami Beach First-Time Homebuyer Program

Amount
from $40,000 to $150,000, based on your income
How it works
Loan with no monthly payment, forgiven after 15 years; part of it goes to home repairs.
Offered by
City of Miami Beach, Office of Housing and Community Services
Status
Waitlist "Please note there is a waitlist at this time". (checked on October 5, 2026)
Where
Only in Miami Beach
Income limit
$163,440 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • A credit score of 650 or higher, or approval from a bank
  • That you put 2% of the value from your own pocket
  • That your savings do not exceed the assistance amount
  • That you live in Miami-Dade and are a citizen or resident
  • The maximum home price is confirmed by the city

Official source

Homestead CRA First-Time Homebuyer Program

Amount
up to $10,000, plus $5,000 if you have already lived one year in the area
How it works
0% loan with no monthly payment, forgiven after 10 years.
Offered by
Homestead Community Redevelopment Agency
Status
Status not published The official guide gives no date or status; its income table is from 2024. (checked on October 5, 2026)
Where
Only in Homestead · the Homestead CRA area
First-time buyer
Yes: no home owned in the last 3 years
Combines
Yes, with other assistance.

Still to confirm

  • That the home is a single-family home or townhome inside the CRA area (condos are not eligible)
  • That your household income does not exceed 120% of the median; the exact limit is confirmed by the CRA
  • That you put 1% of the price from your own pocket
  • That your savings do not exceed $25,000
  • That home repairs do not exceed $10,000

Official source

North Bay Village Purchase Assistance (pilot)

Amount
up to $30,000
How it works
0% loan paid monthly; it can be used for down payment, closing or buying down the rate.
Offered by
Village of North Bay Village, con Housing Foundation of America
Status
Status not published Pilot with documents revised on May 1, 2026; it does not say open or give a closing date. (checked on October 5, 2026)
Where
Only in North Bay Village
Income limit
$190,680 for a household of 4
First-time buyer
Yes: no home owned in the last 3 years

Still to confirm

  • That you have a pre-approval and a signed purchase contract before applying
  • Proof of citizenship or legal status
  • Village residents and people who work there (police, fire, schools, health care) have priority
  • Whether it is repaid monthly or not: its documents say "0% loan" and also "monthly payments"; we assume it is repaid

Official source

Frequently asked questions

What down payment assistance programs are there in Miami-Dade in 2026?

As of October 5, 2026 we count 22: 4 from Miami-Dade County, 4 from the State of Florida (Florida Housing), 4 that go through banks and lenders (FHLBank Atlanta and Chenoa Fund), and 10 from the cities of Miami, Hialeah, North Miami, Homestead, Miami Gardens, Miami Beach and North Bay Village. The ones their own source lists as open today are: Hometown Heroes (Florida Housing), City of Miami First-Time Homebuyer Program, City of Hialeah First-Time Homebuyer Program, City of Miami District 5 Expanded First-Time Homebuyer Program, City of North Miami First-Time Homebuyer (SHIP funds), City of North Miami First-Time Homebuyer (HOME funds), City of Homestead Down Payment Assistance and City of Miami Gardens Purchase Assistance Program.

How much down payment assistance can I get in Miami-Dade?

It depends on who offers it. The county assistance: up to $35,000. MDEAT: up to $28,000 (up to $14,000 if the household earns more than 80% of the median). Florida Housing: FL Assist up to $10,000, and Hometown Heroes 5% of the loan, from $10,000 to $35,000. Cities give more, but only if you buy inside them: the City of Miami based on the number of bedrooms, up to $130,002, Hialeah up to $150,000, Miami Beach from $40,000 to $150,000, based on your income, and Miami's District 5 up to $200,000, based on income and need.

Do I have to pay back down payment assistance?

Some yes and some no. Most are 0% loans with no monthly payment. Some are repaid when you sell, refinance or after 30 years, like the county assistance, FL Assist and Hometown Heroes. Others are forgiven if you keep living in the home: MDEAT after 20 years, the City of Miami after 30, Homestead after 10, North Miami SHIP after 7 and Miami Gardens over 5. The FHLBank Atlanta programs are not repaid if you live 5 years in the home.

Who can apply for down payment assistance in Miami?

Each program has its limits: on household income, based on how many people live in the home, and many also on the home price. Most require that you have not owned a home in the last 3 years, take a HUD-approved homebuyer course and put some money from your own pocket. The minimum credit score varies: 640 for Florida Housing, 660 for the Miami-Dade HFA, 600 for Chenoa Fund. Some require being a U.S. citizen or permanent resident. In the end, the lender that processes it decides.

Can I combine two assistance programs?

Sometimes. Florida Housing programs do not stack with each other, but they do with a county or city one if that one is in third position. The county $35,000 assistance can be combined with its Homebuyer Loan Program, and MDEAT with county, city and state assistance, with combined loans up to 105% of the home value.

Is the Hometown Heroes program still open in 2026?

Yes, according to Florida Housing: "Over $25 Million Available in Hometown Heroes DPA" on the administrator's page (the figure is undated). (checked on October 5, 2026). It gives 5% of the loan, from $10,000 to $35,000, for people who work full time in Florida in health care, schools, law enforcement, fire, courts or child care, or are military or veterans.

How do I apply for down payment assistance?

Almost all of them are requested through a lender that participates in the program; some cities, like Hialeah and Miami Gardens, also open an application on their portal. On this page you answer five questions, see which ones could fit you and, if you choose one, we connect you with a lender that processes it.

Umbralio is not a lender or a government agency. Figures come from each program’s official source, checked on the date shown; terms can change without notice. Where two official sources contradict each other, we use the figure that promises less and say so.

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