Down payment assistance in Miami-Dade and Broward

Money that the county, the state, the cities and some banks give you or lend you.

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Nelson Paredes, REALTOR®, through One Stop Realty Center Inc, a licensed Florida broker.

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Down payment assistance in Miami-Dade and Broward: all 49, one by one

Updated October 19, 2026 · Every figure checked against its official source

Here are all the down payment assistance programs we found: 25 for buying in Miami-Dade and 24 for buying in Broward, plus a tax discount (not money for the down payment). They are offered by the two counties, the State of Florida, federal banks and cities: 7 in Miami-Dade and 11 in Broward. Of the Miami-Dade ones, 12 are open according to their own source; the others do not say whether they are open, or have a waitlist. Above, you can see in a minute which ones could work for you; below are all of them, with how much they give, 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

How much: You get up to $35,000 as a loan for the down payment.
How it works: It is a loan with no interest and you pay nothing each month: you pay it back when you sell the home, when you replace your loan with a new one, or after 30 years.
Who offers it: Miami-Dade Housing and Community Development
Status: To be confirmed The county page does not say whether it is open or closed and does not announce any pause. (checked on October 12, 2026)
Where it works: All of Miami-Dade
Maximum home price: The home cannot cost more than $451,000.
The most your household can earn: A household of 4 people can earn up to $136,500 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: You can use it alone or together with the county homebuyer loan. All your loans combined can add up to 105% of what the home is worth.

Before you apply, confirm

Your household may be able to earn more than the limit you see here: the county publishes a higher one in its 2025 table, and your lender confirms which one applies.
The county page does not say how much the home can cost, but its guide mentions a $451,000 cap. Count on that cap until your lender tells you otherwise.
If your household has 5 people or more, your lender confirms how much you can earn.
You have to put in at least 1% of the price from your own pocket.
You have to take a homebuyer course with a counselor approved by the federal government.
You have to be a U.S. citizen or a permanent resident.
You have to live in Miami-Dade when you apply and when you sign for the home.
Your loan has to have the same interest rate the whole time (a fixed rate).

Official source

Purchase assistance from the county’s economic fund (MDEAT)

How much: You get up to $28,000 as a loan for the down payment and the costs of the day you sign for the home (or $14,000 if your household earns more than 80% of what a typical family in the county earns).
How it works: It is a loan with no interest and you pay nothing each month. If you live in the home for 20 years, you do not have to pay it back. It only covers the down payment and the costs of the day you sign for the home.
Who offers it: Miami-Dade Economic Advocacy Trust (MDEAT), Housing Division
Status: To be confirmed The county says it is given based on need and while money lasts; it announces no closing. (checked on October 12, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $190,680 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: Yes, it can be combined with county, city and state assistance. All your loans combined can add up to 105% of what the home is worth.

Before you apply, confirm

Today the assistance is up to $28,000, or $14,000 if your household earns more than 80% of what a typical family in the county earns. Confirm the amount with the county before counting on it.
The county page does not require you to be a first-time buyer, but a 2023 notice mentions it; ask before you apply.
The lender decides whether your credit and immigration status work; the program does not publish them.
They recommend you put in 1% of the price from your own pocket, or 3% if your household earns more than a typical Miami-Dade family.
If you combine this assistance with others, you have to take the homebuyer course.

Official source

First-time buyer assistance from the county housing agency (HFA)

How much: You get up to $15,000 as a loan for the down payment.
How it works: It is a second loan, on top of the main loan from the same agency: it has no interest and you pay nothing each month. The main loan lasts 30 years and the interest rate stays the same the whole time.
Who offers it: Housing Finance Authority of Miami-Dade County
Status: To be confirmed The agency lists it as an active program, without saying until when or how much money is left. (checked on October 12, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $190,680 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you buy in a federally designated target area, this does not apply.
Can be combined with others: Yes, it can be combined with other community assistance.

Before you apply, confirm

The home has no maximum price, but the loan cannot exceed $667,000 if it is the 3.5%-down loan (FHA), or $832,750 if it is a regular bank loan or a veterans loan.
Your credit score has to be 660 or higher.
You have to have 24 months in the same line of work.
You have to be a U.S. citizen or a permanent resident.
You have to take the 8-hour homebuyer course.
In some areas it does not have to be your first home, and the income limits are higher.

Official source

Miami-Dade County Homebuyer Loan Program

How much: You get up to $100,000 if the home is in an area the county wants to boost, and up to $80,000 if it is not.
How it works: It is a second loan, on top of your bank loan: you pay it each month at a low interest rate (1% or 2% a year) over 30 years, and it is not forgiven.
Who offers it: Miami-Dade Housing and Community Development
Status: To be confirmed The county page does not say whether it is open or closed and does not announce any pause. (checked on October 12, 2026)
Where it works: All of Miami-Dade
Maximum home price: The home cannot cost more than $451,000.
The most your household can earn: A household of 4 people can earn up to $173,460 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: It can be combined with the county $35,000 down payment assistance.

Before you apply, confirm

The county page does not say how much the home can cost, but its guide mentions a $451,000 cap. Count on that cap until your lender tells you otherwise.
You cannot own a home in your name when you apply.
You have to be a U.S. citizen or a permanent resident.
You have to have 24 months in the same line of work.
You have to make a down payment of at least 3% of the price, and 1% has to come from your own pocket.
What you pay on all your debts together cannot be more than 45% of what you earn.
Your lender has to be on the county list.
The income limit you see is from the 2025 table; the county has not published the 2026 one yet.

Official source

New county homes with a maximum price (Infill Housing)

How much: It is not money: it is a new home that costs up to $215,000.
How it works: These are new homes on county land, at a maximum price. The home has to stay reasonably priced for 20 years: if you sell before that, it has to be to someone else who meets the program’s conditions, at that same price.
Who offers it: Miami-Dade Housing and Community Development
Status: To be confirmed The county page shows 106 lots, each with its builder and phone number; it does not say how many homes are still for sale. (checked on October 12, 2026)
Where it works: All of Miami-Dade
Maximum home price: The home cannot cost more than $215,000.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: Yes, it can be combined with the county’s down payment assistance and its purchase loan.

Before you apply, confirm

To buy one of these homes you have to qualify for the county’s reasonably priced homes program; the county tells you how much your household can earn and whether you must be a first-time buyer.
To find out which homes are still for sale and at what price, ask the builder of each lot.
You have to take a homebuyer course with a counselor who works with the program.
You need a loan from a county-approved lender.

Official source

From the State of Florida (Florida Housing)

State interest-free loan for the down payment (FL Assist)

How much: You get up to $10,000 as a loan for the down payment and the costs of the day you sign for the home.
How it works: It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Miami-Dade
Maximum home price: The home cannot cost more than $697,889.
The most your household can earn: A household of 4 people can earn up to $156,630 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
The income limit can change depending on the type of loan you get; your lender tells you which one applies to you.
If you buy in an area the federal government marks as a priority, the income and price limits are higher.

Full guide to this program · Official source

State down payment loan for people who work in health care, schools, police and more (Hometown Heroes)

How much: You get up to 5% of your bank loan, between $10,000 and $35,000, for the down payment and the costs of the day you sign for the home.
How it works: It is for people who work full time in Florida in health care, schools, police, fire departments, courts or child care, and for military members and veterans. It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
Who offers it: Florida Housing Finance Corporation
Status: Open The Florida Housing page for lenders says more than $20 million is available in this assistance; that notice carries no date. The rates for reservations carry the date of each business day, and there is no pause notice. (checked on October 20, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $156,630 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, 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.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
Florida Housing has two kinds of loan for this assistance. With one, a household of 1 or 2 people can earn up to $136,200 and one of 3 or more, up to $156,630, and the home cannot cost more than $697,889. With the other, the income limit goes up to $204,300. Your lender tells you which one applies to you.
If you buy in an area the federal government marks as a priority, the income and price limits are higher.
The bank loan cannot exceed $667,000 if it is the 3.5%-down loan (FHA), or $832,750 if it is a regular bank loan.

Full guide to this program · Official source

State down payment loan with a small monthly payment (FL HLP)

How much: You get up to $12,500 as a loan for the down payment and the costs of the day you sign for the home.
How it works: It is a loan at 3% interest over 30 years, with a small payment each month (about $52.70). Whatever is left to pay, you pay all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Miami-Dade
Maximum home price: The home cannot cost more than $697,889.
The most your household can earn: A household of 4 people can earn up to $156,630 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

The payment you make each month for this assistance has to fit within what your lender lets you owe each month.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
The income limit can change depending on the type of loan you get; your lender tells you which one applies to you.

Full guide to this program · Official source

State help that is forgiven over 5 years (HFA Plus)

How much: You get 3%, 4% or 5% of your bank loan, for the down payment and the costs of the day you sign for the home.
How it works: It is a loan that gets forgiven little by little: each year 20% of the debt is taken off, and after 5 years you owe nothing. If before those 5 years you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it, you pay back what is left.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026, and it only works with one specific state loan (FL HFA Advantage PLUS); they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $190,681 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

There is no maximum price for the home, but the loan cannot exceed $832,750.
Your loan has to be that specific state loan (FL HFA Advantage PLUS), which is a regular bank loan: not the 3.5%-down loan or the veterans loan.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.

Full guide to this program · Official source

Through banks and lenders

First-time buyer assistance offered by some banks (FHLBank Atlanta)

How much: You get up to $17,500 of help for the down payment.
How it works: It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed A $40 million fund opened on February 26, 2026, and is given out first come, first served; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: The program’s rules do not prohibit it, but it is not confirmed that it can be combined with state assistance.

Before you apply, confirm

You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

Assistance for police, teachers, health care workers and military offered by some banks (FHLBank Atlanta)

How much: You get up to $20,000 of help for the down payment.
How it works: It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed It comes from the same $40 million fund that opened on February 26, 2026; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: The program’s rules do not prohibit it, but it is not confirmed that it can be combined with state assistance.

Before you apply, confirm

You have to be a police officer, teacher, health care worker, firefighter or other first responder (active or retired), a veteran, active military, or the husband or wife of someone in those groups who has passed away.
You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

Assistance for middle-income families offered by some banks (Workforce Housing Plus+)

How much: You get up to $15,000 of help for the down payment.
How it works: It is money you do not have to pay back. It is for middle-income families: not very low and not very high.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed A $20 million fund since February 26, 2026; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Miami-Dade
The most your household can earn: A household of 4 people can earn up to $163,440 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: It does not stack with the other two programs from this same federal bank (the first-time buyer one and the one for people who work in the community). With state assistance it is not confirmed.

Before you apply, confirm

You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

Down payment assistance, mostly with the 3.5%-down loan (Chenoa Fund)

How much: You get up to 5% of the home price, for the down payment.
How it works: It is a second loan for the down payment: depending on the case, you pay it back or it is forgiven. It works mostly with the loan that asks for only 3.5% down (FHA).
Who offers it: CBC Mortgage Agency
Status: Open Chenoa Fund’s page says the program is funded all year and does not run out of money; you apply through an approved lender. (checked on October 20, 2026)
Where it works: Miami-Dade and Broward
First-time buyer: You do not have to be a first-time buyer.

Before you apply, confirm

Your credit score has to be 600 or higher.
If your credit score is below 640, you have to take a homebuyer course.
Your lender has to be approved by Chenoa Fund.
This assistance has no income limit. Your lender tells you whether you have to pay the money back or it is forgiven.

Full guide to this program · Official source

From the cities of Miami-Dade

Habitat for Humanity homes in Leisure City (Habitat Acres)

How much: It is not money: it is a new 3-bedroom, 2-bath home.
How it works: It is a new townhome (it shares walls with the homes next to it), with a reasonably priced loan from Habitat. Its page says there are 26 homes.
Who offers it: Habitat for Humanity of Greater Miami
Status: Open The page says applications are now open and 26 homes are available. (checked on October 14, 2026)
Where it works: Only in otra · Leisure City, in the south of the county (15000 Ave SW 280 St)
First-time buyer: You do not have to be a first-time buyer.

Before you apply, confirm

The page does not publish how much your household can earn at most, which immigration status they ask for, or whether you must be a first-time buyer; Habitat confirms it (305-634-3628).
Ask how many of the 26 homes are left.
Habitat says it is building 7 of them between October 1 and November 21, 2026; ask when they will be ready.

Full guide to this program · Official source

City of Miami First-Time Homebuyer Program

How much: You get up to $130,002 as a loan, depending on the number of bedrooms.
How it works: It is a loan with no interest and you pay nothing each month. After 30 years you do not have to pay it back, as long as you live in that home.
Who offers it: City of Miami, Department of Housing & Community Development
Status: Open The city keeps taking applications; it does not say whether money is left. (checked on October 14, 2026)
Where it works: Only in Miami
Maximum home price: The home cannot cost more than $451,000.
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The city page does not say how much you get, and the city plan and its brochure give two different caps; count on the lower one and ask the city which one is yours.
The city page gives the maximum price as $494,000 in one step and $451,000 in another; count on the lower one.
You have to put in at least $500 from your own pocket.
You cannot have had a bankruptcy in the last 24 months.
Your lender has to be on the city list.
Your mortgage has to be a 30-year loan with the same interest rate the whole time (a fixed rate).

Full guide to this program · Official source

City of Hialeah First-Time Homebuyer Program

How much: You get up to $150,000 as a loan.
How it works: It is a loan with no interest and you pay nothing each month. Under the 2025–2028 housing plan, after 15 years you do not have to pay it back. Part of the money goes to home improvements.
Who offers it: City of Hialeah, Housing and Community Services Division
Status: Open Open: the city website says it is accepting online applications to buy a home; the city can close or pause it depending on the money it has. (checked on October 20, 2026)
Where it works: Only in Hialeah
Maximum home price: The home cannot cost more than $636,806.
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The city still uses money from its previous plan (2022 to 2025), which gave less depending on household income and over 20 years: ask which plan would apply to you.
The city housing plan says it serves applicants from a waitlist.
The city website and its housing plan give two different income limits; count on the lower one, and the city confirms which one applies.
A 2023 city brochure asked you to put in 2% of the price from your own pocket.
That brochure also asked for the homebuyer course, with a certificate less than 6 months old, and the letter from your lender that says how much it will lend you (pre-approval).
According to that brochure, the city needs at least 45 days before you sign for the home.
The maximum price comes from the city housing plan; the city confirms the current one.

Full guide to this program · Official source

City of Miami District 5 Expanded First-Time Homebuyer Program

How much: You get up to $200,000 as a loan, based on what your household earns and your need.
How it works: It is a loan with no interest and you pay nothing each month. After 30 years you do not have to pay it back.
Who offers it: City of Miami, Department of Housing & Community Development
Status: Open Open until the money runs out; whoever is ready first is served first. (checked on October 19, 2026)
Where it works: Only in Miami · District 5 of the City of Miami
Maximum home price: The home cannot cost more than $500,000.
The most your household can earn: A household of 4 people can earn up to $163,440 a year.
First-time buyer: Yes: never having owned a home, not just in the last 3 years.

Before you apply, confirm

Never having owned a home: not owning one in the last 3 years is not enough.
Living in the City of Miami today. The only exceptions are households with a current city or county police officer, firefighter or emergency medical worker, and city residents transitioning out of homelessness or who are victims of domestic violence.
If someone in the household is a current police officer, firefighter or emergency medical worker, or active or retired military, the income limit is higher.
If you sell before 30 years, you repay what you received and the city keeps a share of any gain in the home’s value.

Full guide to this program · Official source

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

How much: You get up to $40,000 as a loan.
How it works: It is a loan with no interest and you pay nothing each month. Each year a part of it is forgiven, for 7 years.
Who offers it: City of North Miami, Housing and Social Services Department
Status: Open Open until the money runs out, first come, first served. (checked on October 17, 2026)
Where it works: Only in North Miami
Maximum home price: The home cannot cost more than $460,000.
The most your household can earn: A household of 4 people can earn up to $163,440 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

You have to take an 8-hour homebuyer workshop approved by the federal government.
You have to be able to cover 3% of the price.
The income limit you see is the one in the city’s papers for 2026 to 2029, which goes up to moderate income; a 2024 document allowed more. Count on the lower one; the city confirms which applies.
Your savings cannot be more than $30,000.

Full guide to this program · Official source

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

How much: The city decides based on what you can afford; in 2024 it gave up to $40,000.
How it works: It is a loan with no interest and you pay nothing each month. It is forgiven over a period of up to 15 years.
Who offers it: City of North Miami, Housing and Social Services Department
Status: Open Open until the money runs out, first come, first served. (checked on October 17, 2026)
Where it works: Only in North Miami
Maximum home price: The home cannot cost more than $370,000.
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

One city page puts the maximum price at $370,000 and another document puts it at $415,000. Count on the lower one until the city confirms which one applies.
The city sets the exact amount based on what you can afford.
You have to take an 8-hour homebuyer workshop approved by the federal government.
You have to be able to cover 3% of the price.
Your savings cannot be more than $30,000.

Full guide to this program · Official source

First-time buyer program of the agency that improves the North Miami area (CRA)

How much: You get up to $10,000 of help for the down payment and the costs of the day you sign for the home.
How it works: It is money for the down payment and the costs of the day you sign for the home. You do not have to pay it back if you live in the home for 5 years; if you sell it earlier, you pay back all of it.
Who offers it: North Miami Community Redevelopment Agency
Status: To be confirmed The agency publishes the rules and the application, but does not say until when or how much money is left; applications are handed in by appointment. (checked on October 14, 2026)
Where it works: Only in North Miami · the area the North Miami agency is improving
The most your household can earn: A household of 4 people can earn up to $163,440 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: Its rules do not say whether it can be combined with other assistance; preference goes to people who live or work in North Miami.

Before you apply, confirm

You have to put in at least $2,000 from your own pocket.
When you apply, you need the letter from your lender that says how much it will lend you (pre-approval).
You have to take a homebuyer course approved by the federal government.
You have to sign the purchase contract within 45 days of applying.
The home has to pass inspection and cannot cost more than the appraisal says (the price an expert puts on it).
Ask the agency whether money is still left (305-895-9839).

Official source

City of Homestead Down Payment Assistance

How much: You get up to $30,000 as a loan for the down payment.
How it works: It is a loan with no interest and you pay nothing each month. After 10 years you do not have to pay it back.
Who offers it: City of Homestead, Community Development & Human Services Division
Status: To be confirmed The city housing page says it is not taking applications for now, but the program page, with figures from August 2026, explains how to reserve the money through a lender and does not say whether it is closed. Confirm with the city before counting on it. (checked on October 14, 2026)
Where it works: Only in Homestead
Maximum home price: The home cannot cost more than $494,000.
The most your household can earn: A household of 4 people can earn up to $109,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: It can be added to a county assistance.

Before you apply, confirm

You have to put in 3% of the price from your own pocket.
Your credit has to be acceptable to the lender and you cannot have had a bankruptcy in the last 24 months.
What you pay on all your debts together cannot be more than 45% of what you earn.
The home cannot be in the area Homestead wants to improve (the CRA).

Official source

City of Miami Gardens Purchase Assistance Program

How much: You get up to $20,000 as a loan.
How it works: It is a loan with no interest and you pay nothing each month. According to the city, after 5 years you do not have to pay it back.
Who offers it: City of Miami Gardens, Community Development Department
Status: Open It accepts pre-applications on the city website; money is limited. (checked on October 12, 2026)
Where it works: Only in Miami Gardens
Maximum home price: The home cannot cost more than $382,195.
The most your household can earn: A household of 4 people can earn up to $136,200 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

One city page says you get up to $20,000 and another city document says $30,000. Count on the lower one until the city confirms which one applies.
The city says it counts up to 120% of what a typical family in the county earns, but the table it publishes shows lower figures (1 person: $95,400; 4 people: $136,200). Count on that table until the city confirms.
The city confirms whether your credit and immigration status work.

Full guide to this program · Official source

City of Miami Beach First-Time Homebuyer Program

How much: You get from $40,000 to $150,000 as a loan, based on what your household earns.
How it works: It is a loan and you pay nothing each month. After 15 years you do not have to pay it back. Part of the money goes to home repairs.
Who offers it: City of Miami Beach, Office of Housing and Community Services
Status: Waitlist There is a waitlist. (checked on October 12, 2026)
Where it works: Only in Miami Beach
The most your household can earn: A household of 4 people can earn up to $163,440 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

A lender has to approve your loan with a credit score it accepts (the 2024 guide asked for 650 or higher).
The amount depends on your income: up to $150,000 only for the lowest incomes; with moderate income, up to $50,000.
You have to put in 2% of the value of the home from your own pocket.
Your savings cannot be more than the amount of the assistance.
You have to live in Miami-Dade and be a citizen or a resident.
The city confirms the maximum price of the home.

Official source

First-Time Homebuyer Program for the area Homestead wants to improve (CRA)

How much: You get up to $10,000 as a loan, or $15,000 if you have already lived in the area for a year.
How it works: It is a loan with no interest and you pay nothing each month. After 10 years you do not have to pay it back.
Who offers it: Homestead Community Redevelopment Agency
Status: To be confirmed The official guide does not say until when it is open or whether money is left; its income table is from 2024. (checked on October 14, 2026)
Where it works: Only in Homestead · the area Homestead wants to improve
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: Yes, it can be combined with other assistance.

Before you apply, confirm

It has to be a house or a townhouse (a home that shares walls with its neighbors) inside the area the city wants to improve; condos are not eligible.
Your household cannot earn more than the program limit; the area office tells you what it is.
You have to put in 1% of the price from your own pocket.
Your savings cannot be more than $25,000.
The repairs the home needs cannot cost more than $10,000.

Official source

North Bay Village Purchase Assistance, a trial program

How much: You get up to $30,000 as a loan.
How it works: It is a loan with no interest that you pay back monthly. It can be used for the down payment, for the costs of the day you sign for the home, or to lower the interest rate on your loan.
Who offers it: Village of North Bay Village, with Housing Foundation of America
Status: To be confirmed It is a trial program; the village reviewed its documents on May 1, 2026 and does not say whether it is open or until when. (checked on October 12, 2026)
Where it works: Only in North Bay Village
The most your household can earn: A household of 4 people can earn up to $190,680 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

Before you apply, you already need the letter from your lender (pre-approval) and a signed purchase contract.
You have to prove your citizenship or legal status.
People who live in the village and people who work there (police, fire, schools, health care) go first.
Its documents say it charges no interest and also talk about monthly payments; count on paying it back each month.

Official source

From Broward County

Broward County purchase assistance for Hollywood (Homebuyer Purchase Assistance)

How much: You get up to $50,000 as a loan.
How it works: It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years, you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
Who offers it: Broward County Housing and Urban Planning Division (the lender processes it; there is no online application)
Status: Open The county list (version of October 2, 2026) shows Hollywood with up to $50,000 and not marked “no funds”; money is given out first come, first served. It does not say how much is left. (checked on October 20, 2026)
Where it works: Only in Hollywood
Maximum home price: The home cannot cost more than $636,806.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: It can go in third place, behind a Florida Housing loan or one from an area the city wants to improve. The county guide says it does not stack with a city assistance when the city has its own program. The county recommends adding its tax discount.

Before you apply, confirm

Your credit: set by the lender.
You cannot have owned a home in the last 3 years (there are exceptions for domestic violence or divorce).
You have to take a homebuyer course from an agency approved by the federal government; the certificate has to be 12 months old or less.
You have to be a permanent resident (or have approved asylum) and have 3 years of work, residence and credit in the country. Conditional residence, pending asylum and temporary protected status (TPS) do not count.
You have to make a down payment of at least 3% of the price with money that is not borrowed, and 1% has to be yours.
Your savings have to be under $100,000, and after closing you cannot keep more than $50,000.
Your loan has to be a 30-year loan with the same interest rate the whole time, and follow the county’s rules. The lender processes it: there is no online application.
What you pay each month for the home has to be between 25% and 38% of what you earn, and what you pay on all your debts together cannot be more than 45% (46% with the 3.5%-down loan).
The maximum home price: the county’s web page and flyer say $679,324, the cap the state published in 2025; the county’s guide for lenders (from March 2026) still says $636,806, the 2024 cap. Count on the lower one; your lender confirms which applies.
The county list does not say how much money is left in Hollywood for households that earn up to 120% of what a typical family in the county earns; ask your lender.

Full guide to this program · Official source

Broward County purchase assistance for Pembroke Pines (Homebuyer Purchase Assistance)

How much: You get up to $75,000 as a loan (the county warns that funds are limited).
How it works: It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years (10 if you get less than $40,000), you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
Who offers it: Broward County Housing and Urban Planning Division (the lender processes it; there is no online application)
Status: Open The county list (version of October 2, 2026) shows Pembroke Pines with up to $75,000 and the mark “limited funds”; money is given out first come, first served. (checked on October 20, 2026)
Where it works: Only in Pembroke Pines
Maximum home price: The home cannot cost more than $636,806.
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: The county guide says it does not stack with a city assistance when the city has its own program, and the City of Pembroke Pines says it does; do not count on both until your lender confirms.

Before you apply, confirm

You have to make a down payment of at least 3% of the price with your own money.
Because this money comes from the federal government, the maximum home price may be lower than in the rest of the county ($636,806 or $679,324); neither the agreement nor the flyer gives the figure, so ask your lender before you start looking.
You cannot add another person to the loan unless they will live in the home with you.
The homebuyer course has to be 8 hours long, and you have to finish it before you apply for the loan.
The home can be a single-family house, a condo, a townhouse or a villa; the agreement does not mention manufactured homes, so do not count on them.
If you later replace your loan with another one, it can only be to lower the interest rate or change the term, without taking cash out; otherwise you have to pay the assistance back.
Your credit: set by the lender.
You cannot have owned a home in the last 3 years (there are exceptions for domestic violence or divorce).
You have to take a homebuyer course from an agency approved by the federal government; the certificate has to be 12 months old or less.
You have to be a permanent resident (or have approved asylum) and have 3 years of work, residence and credit in the country. Conditional residence, pending asylum and temporary protected status (TPS) do not count.
Your savings have to be under $100,000, and after closing you cannot keep more than $50,000.
Your loan has to be a 30-year loan with the same interest rate the whole time, and follow the county’s rules. The lender processes it: there is no online application.
What you pay each month for the home has to be between 25% and 38% of what you earn, and what you pay on all your debts together cannot be more than 45% (46% with the 3.5%-down loan).
The City of Pembroke Pines says this assistance can be added to its own and the county guide says it cannot; ask your lender before counting on both.

Full guide to this program · Official source

Broward County purchase assistance for Coconut Creek, Coral Springs, Davie, Hallandale Beach, Lauderdale Lakes, Plantation and other areas of the county (no funds for now)

How much: You get up to $80,000 as a loan in most of those areas; in Margate, up to $50,000; in Sunrise, up to $40,000; and in Weston, up to $120,000.
How it works: It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years, you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
Who offers it: Broward County Housing and Urban Planning Division (the lender processes it; there is no online application)
Status: Closed now The county list (version of October 2, 2026) marks these areas “no funds” and says a new round of money is expected in November 2026. (checked on October 20, 2026)
Where it works: Only in Coconut Creek, Coral Springs, Davie, Hallandale Beach, Lauderdale Lakes, Plantation and the rest of Broward
Maximum home price: The home cannot cost more than $636,806.
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: It can go in third place, behind a Florida Housing loan or one from an area the city wants to improve. The county guide says it does not stack with a city assistance when the city has its own program. The county recommends adding its tax discount.

Before you apply, confirm

Your credit: set by the lender.
You cannot have owned a home in the last 3 years (there are exceptions for domestic violence or divorce).
You have to take a homebuyer course from an agency approved by the federal government; the certificate has to be 12 months old or less.
You have to be a permanent resident (or have approved asylum) and have 3 years of work, residence and credit in the country. Conditional residence, pending asylum and temporary protected status (TPS) do not count.
You have to make a down payment of at least 3% of the price with money that is not borrowed, and 1% has to be yours.
Your savings have to be under $100,000, and after closing you cannot keep more than $50,000.
Your loan has to be a 30-year loan with the same interest rate the whole time, and follow the county’s rules. The lender processes it: there is no online application.
What you pay each month for the home has to be between 25% and 38% of what you earn, and what you pay on all your debts together cannot be more than 45% (46% with the 3.5%-down loan).
The maximum home price: the county’s web page and flyer say $679,324, the cap the state published in 2025; the county’s guide for lenders (from March 2026) still says $636,806, the 2024 cap. Count on the lower one; your lender confirms which applies.
How much you get depends on the area where you buy: the amount changes by area.

Full guide to this program · Official source

Broward County housing fund second loan (Affordable Housing Trust Fund)

How much: You get up to $100,000 as a loan.
How it works: It is a second loan on the home, on top of your bank loan: it has no interest, you pay nothing each month, and it has a 15-year term. The county does not say whether you pay it back at the end; ask before you apply.
Who offers it: Broward County Housing and Urban Planning Division
Status: Closed now The county list (with figures from late July 2026) says “no funds, all slots reserved” in districts 1 to 9. Properties outside any city, which Broward County handles directly, do not carry that mark and we do not know whether money is left. (checked on October 12, 2026)
Where it works: All of Broward
Maximum home price: The home cannot cost more than $636,806.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: The county invites you to add its tax discount; it does not say whether it can be combined with other assistance.

Before you apply, confirm

The maximum home price: the county’s web page and flyer say $679,324, the cap the state published in 2025; the county’s guide for lenders (from March 2026) still says $636,806, the 2024 cap. Count on the lower one; your lender confirms which applies.
You cannot have owned a home in the last 3 years.
You have to take a homebuyer course from an agency approved by the federal government.
You have to make a down payment of 3% of the price; it is not needed with veterans loans.
The home needs a full inspection and has to be the home where you will live.
Your loan has to be a 30-year loan that follows the county’s rules; the lender requests the funds by mail.
The county list does not carry the “no funds” mark on properties outside any city (the ones Broward County handles directly), so money may still be left there; ask.

Official source

From the State of Florida (Florida Housing), with Broward’s limits

State interest-free loan for the down payment (FL Assist) · Broward

How much: You get up to $10,000 as a loan for the down payment and the costs of the day you sign for the home.
How it works: It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Broward
Maximum home price: The home cannot cost more than $697,889.
The most your household can earn: A household of 4 people can earn up to $145,820 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
The income limit can change depending on the type of loan you get; your lender tells you which one applies to you.
If you buy in an area the federal government marks as a priority, the income and price limits are higher.

Full guide to this program · Official source

State down payment loan for people who work in health care, schools, police and more (Hometown Heroes) · Broward

How much: You get up to 5% of your bank loan, between $10,000 and $35,000, for the down payment and the costs of the day you sign for the home.
How it works: It is for people who work full time in Florida in health care, schools, police, fire departments, courts or child care, and for military members and veterans. It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
Who offers it: Florida Housing Finance Corporation
Status: Open The Florida Housing page for lenders says more than $20 million is available in this assistance; that notice carries no date. The rates for reservations carry the date of each business day, and there is no pause notice. (checked on October 20, 2026)
Where it works: All of Broward
The most your household can earn: A household of 4 people can earn up to $145,820 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, 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.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
Florida Housing has two kinds of loan for this assistance. With one, a household of 1 or 2 people can earn up to $126,800 and one of 3 or more, up to $145,820, and the home cannot cost more than $697,889. With the other, the income limit goes up to $190,200. Your lender tells you which one applies to you.
If you buy in an area the federal government marks as a priority, the income and price limits are higher.
The bank loan cannot exceed $667,000 if it is the 3.5%-down loan (FHA), or $832,750 if it is a regular bank loan.

Full guide to this program · Official source

State down payment loan with a small monthly payment (FL HLP) · Broward

How much: You get up to $12,500 as a loan for the down payment and the costs of the day you sign for the home.
How it works: It is a loan at 3% interest over 30 years, with a small payment each month (about $52.70). Whatever is left to pay, you pay all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Broward
Maximum home price: The home cannot cost more than $697,889.
The most your household can earn: A household of 4 people can earn up to $145,820 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

The payment you make each month for this assistance has to fit within what your lender lets you owe each month.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.
The income limit can change depending on the type of loan you get; your lender tells you which one applies to you.

Full guide to this program · Official source

State help that is forgiven over 5 years (HFA Plus) · Broward

How much: You get 3%, 4% or 5% of your bank loan, for the down payment and the costs of the day you sign for the home.
How it works: It is a loan that gets forgiven little by little: each year 20% of the debt is taken off, and after 5 years you owe nothing. If before those 5 years you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it, you pay back what is left.
Who offers it: Florida Housing Finance Corporation
Status: Open The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026, and it only works with one specific state loan (FL HFA Advantage PLUS); they do not say how much money is left. (checked on October 20, 2026)
Where it works: All of Broward
The most your household can earn: A household of 4 people can earn up to $177,521 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: It does not stack with another state assistance. It can be added to a county or city one, if that one allows it.

Before you apply, confirm

There is no maximum price for the home, but the loan cannot exceed $832,750.
Your loan has to be that specific state loan (FL HFA Advantage PLUS), which is a regular bank loan: not the 3.5%-down loan or the veterans loan.
Your credit score has to be 640 or higher.
You have to take a homebuyer course approved by the federal government before you sign for the home.
If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
You can only use one Florida Housing purchase assistance in your whole life, so you must not have used one before.

Full guide to this program · Official source

Through banks and lenders, with Broward’s limits (Chenoa Fund, listed above, also works in Broward)

First-time buyer assistance offered by some banks (FHLBank Atlanta) · Broward

How much: You get up to $17,500 of help for the down payment.
How it works: It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed A $40 million fund opened on February 26, 2026, and is given out first come, first served; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Broward
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: The program’s rules do not prohibit it, but it is not confirmed that it can be combined with state assistance.

Before you apply, confirm

You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

Assistance for police, teachers, health care workers and military offered by some banks (FHLBank Atlanta) · Broward

How much: You get up to $20,000 of help for the down payment.
How it works: It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed It comes from the same $40 million fund that opened on February 26, 2026; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Broward
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: The program’s rules do not prohibit it, but it is not confirmed that it can be combined with state assistance.

Before you apply, confirm

You have to be a police officer, teacher, health care worker, firefighter or other first responder (active or retired), a veteran, active military, or the husband or wife of someone in those groups who has passed away.
You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

Assistance for middle-income families offered by some banks (Workforce Housing Plus+) · Broward

How much: You get up to $15,000 of help for the down payment.
How it works: It is money you do not have to pay back. It is for middle-income families: not very low and not very high.
Who offers it: Federal Home Loan Bank of Atlanta
Status: To be confirmed A $20 million fund since February 26, 2026; they do not publish how much is left. (checked on October 12, 2026)
Where it works: All of Broward
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: You do not have to be a first-time buyer.
Can be combined with others: It does not stack with the other two programs from this same federal bank (the first-time buyer one and the one for people who work in the community). With state assistance it is not confirmed.

Before you apply, confirm

You have to put in at least $1,000 from your own pocket.
You have to take a financial counseling course before closing.
Your bank has to be enrolled in the program and still have money for it this year.

Official source

From the cities of Broward

Pembroke Pines First-Time Homebuyer Program (SHIP)

How much: You get up to $75,000 as a loan if your household earns up to 80% of what a typical family in the county earns, and $50,000 if it earns between 81% and 140%.
How it works: It is a loan with no interest and you pay nothing for 10 years. At the end you do not have to pay it back if you still own the home and live in it; if you sell it earlier, hand it over to someone else or stop living in it, you pay it back.
Who offers it: City of Pembroke Pines, with Community Redevelopment Associates of Florida (CRA Florida)
Status: Open The city page says the program is open, and its administrator says funds are available today; money is never set aside before the city approves your application. (checked on October 14, 2026)
Where it works: Only in Pembroke Pines
Maximum home price: The home cannot cost more than $679,324.
The most your household can earn: A household of 4 people can earn up to $177,520 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.
Can be combined with others: The city expects the two to stack, but the county guide says they do not; do not count on both until your lender confirms.

Before you apply, confirm

It only works for homes that are already built, not for pre-construction homes (the ones still being built).
You have to take an 8-hour homebuyer course approved by the federal government.
You have to put in at least 1% of the price from your own pocket.
The purchase contract has to be 45 to 60 days long and say that the purchase depends on the city giving you the funds.
You have to hand in your 2024 and 2025 tax returns (the IRS ones).
It has to be the home where you will live.
The city says this assistance can be added to the Broward County one and the county guide says it cannot; ask your lender before counting on both.

Full guide to this program · Official source

Lauderhill Purchase Assistance Program (SHIP and HOME)

How much: You get up to $75,000 if your income is very low, $65,000 if it is low and $40,000 if it is moderate (the last one only with state funds).
How it works: It is a second loan on the home, on top of your bank loan: it has no interest and you pay it at the end. If the money is federal, you do not have to pay it back when the term ends; if it is from the state, the debt goes down 10% each year for 10 years.
Who offers it: City of Lauderhill, Housing Grants
Status: Open The city page says the purchase assistance program is open (updated August 25, 2026), first come: first to meet the requirements, first to close, first to be served. (checked on October 12, 2026)
Where it works: Only in Lauderhill
Maximum home price: The home cannot cost more than $451,000.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The maximum home price is $451,000 with federal government funds, and goes up to $679,324 with state funds. Count on the lower one until the city tells you otherwise.
The city housing plan asks that you be a first-time buyer and not own any other property.
How much you can have saved after closing: the program page says $4,000 and the requirements page says $45,000. Count on $4,000 until the city confirms.
You have to take an 8-hour homebuyer course approved by the federal government.
You have to make a down payment of at least 3% of the price: 1% from your own pocket, and up to another 1% can be a gift.
If the home is new, it has to have the permit that says people can live in it (a certificate of occupancy), 12 months old or less.
The city does not accept your loan being behind another loan on the home; the lender has to follow the city’s rules, and the city does not publish a list of lenders.

Full guide to this program · Official source

Deerfield Beach Purchase Assistance Program

How much: You get up to $70,000 as a loan.
How it works: It is a second loan on the home, on top of your bank loan: it has no interest and you pay it at the end. If you meet the conditions, it becomes a gift and you do not pay it back.
Who offers it: City of Deerfield Beach, Community Services – Housing and Grants Division
Status: Open The city page says you can now apply online; money is limited and given out first come, first served. (checked on October 14, 2026)
Where it works: Only in Deerfield Beach
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The city page says up to $85,000 and the city housing plan (2025 to 2028) says up to $70,000. Count on $70,000 until the city confirms.
The table on the city page goes up to 80% of what a typical family in the county earns, but the text also mentions moderate income; your household may be able to earn more. The city confirms the limit.
The city does not publish the maximum price of the home.
When you apply you need your lender’s letter (pre-approval) and the signed purchase contract.
It has to be the home where you will live in Deerfield Beach (house, condominium, townhouse or villa).

Full guide to this program · Official source

First-Time Homebuyer Program for the area Hallandale Beach wants to improve (CRA)

How much: You get up to $100,000 as a loan; up to $10,000 if your household earns between 120% and 140% of what a typical family in the county earns; and $5,000 more for lifeguards, teachers and nurses.
How it works: It is a loan with no interest. After 10 years you do not have to pay it back (after 5 years, for the $10,000 one). If you sell before 10 years, you pay back 100% in the first 5 and then 80%, 60%, 40% and 20%.
Who offers it: Hallandale Beach Community Redevelopment Agency
Status: Open The agency says applications for 2026-2027 are open, through June 30, 2027 and while funds last; you apply by appointment. (checked on October 12, 2026)
Where it works: Only in Hallandale Beach · the area Hallandale Beach wants to improve
The most your household can earn: A household of 4 people can earn up to $177,520 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The home has to be inside the area the agency wants to improve; it does not work across the whole city.
Your credit score has to be 640 or higher.
You have to be a citizen or a permanent resident and have lived in Florida for 12 months.
You cannot have had a bankruptcy in the last 3 years.
What you pay each month for the home cannot be more than 38% of what you earn, and what you pay on all your debts together, no more than 45%.
You need an 8-hour homebuyer course, your lender’s letter (pre-approval) and at least $2,000 from your own pocket.
You have to sign the contract within 45 days of applying for the assistance.
In the first year you have to claim the tax discount on the home where you live (the homestead exemption).
If you sell the home, the agency has the right to buy it first.
The agency’s lender list is from November 2023; check that your lender is still on it.

Full guide to this program · Official source

Miramar Moderate-Income Mortgage Assistance (MIMA)

How much: You get up to $30,000 as a loan, at most 10% of the home price.
How it works: It is a loan you pay at the end, for the down payment and the costs of the day you sign for the home.
Who offers it: City of Miramar, Housing Division
Status: To be confirmed The city announces that applications begin October 15, but it does not give the year or say whether you can apply now. Ask the city before you count on it. (checked on October 17, 2026)
Where it works: Only in Miramar
The most your household can earn: A household of 4 people can earn up to $165,000 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

You have to be a citizen or a legal resident.
You have to put in at least 1% of the price from your own pocket.
It has to be the home where you will live.
To start you need your lender’s letter (pre-approval) with your income, not counting the city assistance, and a signed contract for a home in Miramar.
If you have more than $40,000 saved, whatever is above that amount goes into the purchase.
The city page does not give the year of October 15 or say whether it is open; the city confirms it.

Official source

Miramar purchase assistance for low and moderate income

How much: It varies with what your household earns, up to $90,000.
How it works: It is a loan with no interest that you pay at the end, over 15 years; depending on the amount, the term can be 5, 10 or 15 years. If you meet the conditions, it becomes a gift and you do not pay it back.
Who offers it: City of Miramar, Housing Division
Status: To be confirmed The page does not say whether it is open; only that it is given out first come, first served, until the money runs out. (checked on October 14, 2026)
Where it works: Only in Miramar
Maximum home price: The home cannot cost more than $679,324.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

You need your lender’s letter (pre-approval) and the purchase contract.
You cannot own another home.
If you have more than $40,000 saved, whatever is above that amount goes into the purchase.
Your loan has to be for up to 30 years with the same interest rate the whole time (a fixed rate).
What you pay each month for the home cannot be more than 38% of what you earn, and what you pay on all your debts together, no more than 45% (50% with the 3.5%-down loan).

Official source

Tamarac First-Time Homebuyer Program

How much: You get up to $85,000 if your household earns up to 50% of what a typical family in the county earns, $75,000 between 51% and 80%, and $40,000 between 81% and 120% (depending on funds); $2,000 of that is deducted for processing.
How it works: It is a loan with no interest over 15 years. The city says it forgives half after year 14, but it does not say what happens to the other half. You pay it back if you sell the home, rent it out, replace your loan with one that breaks the city’s rules, or take cash out of the home.
Who offers it: City of Tamarac, Housing Administration
Status: Closed now The city will invite people who have finished the one-on-one counseling to apply online starting Monday, November 2, 2026, at 10 a.m. (checked on October 14, 2026)
Where it works: Only in Tamarac
Maximum home price: The home cannot cost more than $568,577.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

You cannot have missed payments on a home loan in the last 7 years.
You have to take an 8-hour homebuyer course and also one-on-one financial counseling with one of the two organizations the city names.
You have to make a down payment of 3% of the price.
If you have more than $40,000 saved, you cannot apply.
You have to apply with your legal spouse; another person signing with you as responsible for the payment (a co-signer) is not accepted.
As proof of citizenship the city lists a U.S. birth certificate, a naturalization certificate or a passport, and it does not mention the green card; ask whether it works for you.
You have to close the purchase within 6 months; when you apply you need your lender’s letter (pre-approval) and the contract.
What you pay each month for the home cannot be more than 35% of what you earn, and what you pay on all your debts together, no more than 45%.

Full guide to this program · Official source

Pompano Beach First-Time Homebuyer Program (HOME and SHIP)

How much: You get up to $80,000 if the money is federal, and up to $50,000 if it is from the state.
How it works: It is a loan with no interest over 20 years. In the last 5 years, the debt goes down 20% each year.
Who offers it: City of Pompano Beach, Office of Housing & Urban Improvement
Status: Closed now The city says “the program is closed as of June 8, 2026”; the state funds notice lists $100,000 for purchase assistance, with no opening date. (checked on October 12, 2026)
Where it works: Only in Pompano Beach
Maximum home price: The home cannot cost more than $451,000.
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

The maximum home price is $451,000 with federal government funds, and higher with state funds. Count on $451,000 until the city tells you otherwise.
With state funds your household can earn more: up to 140% of what a typical family in the county earns, depending on the fund.
Your credit score has to be 640 or higher.
You have to make a down payment of 3% of the price, and 1.5% has to come from your own pocket.
You have to take an 8- or 12-hour homebuyer course.
You have to be a citizen or have a status the government can verify.
It has to be the home where you will live.

Official source

Davie SHIP Purchase Assistance

How much: You get up to $90,000 as a loan.
How it works: It is a loan with no interest over 10 years. Each year 10% of the debt is forgiven.
Who offers it: Town of Davie, Housing and Community Affairs
Status: Closed now The town page says “current status: closed; please check back for updates”. (checked on October 12, 2026)
Where it works: Only in Davie
Maximum home price: The home cannot cost more than $679,324.
The most your household can earn: A household of 4 people can earn up to $152,160 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

You need a lender that takes part in the program; the town does not publish a list.
All applications go through that lender, and the town asks you to confirm by phone that funds are available (954-797-1173).
You have to put in at least 1% of the price from your own pocket.
You have to take an 8-hour homebuyer course.

Official source

Fort Lauderdale Housing Purchase Assistance Program (SHIP)

How much: You get up to $90,000 as a loan.
How it works: It is a loan with no interest over 15 years that is paid at the end; when the term is over, it is forgiven.
Who offers it: City of Fort Lauderdale, Housing & Community Development, with Housing Foundation of America, Oasis of Hope and DMCC
Status: To be confirmed The city brochure (June 22, 2026) says the program depends on money being available, and the website does not say whether there is any; the help for the area the city wants to improve says “not available at this time”. (checked on October 14, 2026)
Where it works: Only in Fort Lauderdale
Maximum home price: The home cannot cost more than $679,324.
The most your household can earn: A household of 4 people can earn up to $101,400 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

Neither the page nor the city brochure says whether there are funds today; ask the city.
Before you apply you need a certificate from a homebuyer counseling course.
You have to put in at least $1,000 from your own pocket.
The home needs an inspection that checks for termites and the roof.
It does not work for manufactured or mobile homes, or for taking cash out of the home.
It is not clear which lender qualifies: the city’s papers explain it in a confusing way; ask the city.

Official source

Lauderdale Lakes Purchase Assistance

How much: You get up to $25,000 as a loan.
How it works: It is a loan with no interest that you pay at the end. If you meet the conditions, it becomes a gift and you do not pay it back.
Who offers it: City of Lauderdale Lakes
Status: To be confirmed The page says it is given first come, first served until the money runs out; it does not say whether any is left today. (checked on October 14, 2026)
Where it works: Only in Lauderdale Lakes
First-time buyer: You do not have to be a first-time buyer.

Before you apply, confirm

The city does not publish the income limit or the maximum price of the home.
Call the city to find out whether it is open: 954-535-2482.

Official source

Plantation Purchase Assistance

How much: You get between $60,000 and $80,000 as a loan, based on what your household earns.
How it works: It is a loan with no interest over 15 years that you pay at the end. After the first 5 years, 10% of the debt is forgiven each year.
Who offers it: City of Plantation, with Minority Builders Coalition
Status: To be confirmed The city has not published a new call: the last notice is from 2024-2025 (applications were in February and March 2025). (checked on October 12, 2026)
Where it works: Only in Plantation
First-time buyer: Yes: you cannot have owned a home in the last 3 years.

Before you apply, confirm

To find out whether a call is open, phone Minority Builders Coalition, which processes it (954-792-1121).
You have to put in at least 1% of the price from your own pocket.
The city sets the income limit and the maximum home price with each call.
It can be combined with the county assistance; the city one would go in third place.

Official source

A tax discount from Broward County (not money for the down payment)

Tax discount on the interest of your home loan (Mortgage Credit Certificate)

How much: It is not money for the down payment: each year you pay less in taxes, because they take 10% to 50% of the interest on your loan off your tax bill (up to $2,000 a year if that percentage is above 20%).
How it works: It is a discount on the federal taxes you pay, and you keep it for as long as you live in the home. If you sell within 9 years, depending on your income you may have to give back part of it.
Who offers it: Housing Finance Authority of Broward County
Status: Open The program guide lists it as valid through December 31, 2028; the list of participating banks is for 2026 only (dated May 18, 2026). (checked on October 12, 2026)
Where it works: All of Broward
Maximum home price: The home cannot cost more than $679,324.
The most your household can earn: A household of 4 people can earn up to $145,820 a year.
First-time buyer: Yes: you cannot have owned a home in the last 3 years. If you are a veteran or buy in a federally designated target area, this does not apply.
Can be combined with others: Yes, it can be combined with the county purchase assistance and the housing fund. It cannot be combined with some state loans (the ones paid for with bonds), or with veterans loans of that same kind.

Before you apply, confirm

It has to be your first home in 3 years; this is not required in priority areas or for veterans.
You have to take a homebuyer course.
You have to move in and live in the home within the next 60 days.
Your lender has to be one of the 7 on the county list.
The county’s FAQ (updated August 17, 2026) gives the new limits: $126,800 for 1 or 2 people and $145,820 for 3 or more. The program guide (January 2026) still shows the old ones ($122,400 and $140,761), and the maximum home price is not updated in the FAQ yet.
In priority areas the limits are higher: your household can earn up to $152,160 (1 or 2 people) or $177,520 (3 or more), and the home can cost up to $830,284 according to the January 2026 guide.

Full guide to this program · Official source

Frequently asked questions

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

As of October 19, 2026 we found 25 programs for buying in Miami-Dade. Of those, 5 are from Miami-Dade County, 4 from the State of Florida (Florida Housing), 4 are requested through banks (FHLBank Atlanta and Chenoa Fund), and 12 are from the cities of Miami, Hialeah, North Miami, Homestead, Miami Gardens, Miami Beach, North Bay Village and Leisure City. According to their own source, these are open today: State interest-free loan for the down payment (FL Assist), State down payment loan for people who work in health care, schools, police and more (Hometown Heroes), State down payment loan with a small monthly payment (FL HLP), State help that is forgiven over 5 years (HFA Plus), Down payment assistance, mostly with the 3.5%-down loan (Chenoa Fund), Habitat for Humanity homes in Leisure City (Habitat Acres), 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, with state funds (SHIP), City of North Miami First-Time Homebuyer, with federal funds (HOME) 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 gives up to $35,000 as a loan for the down payment. The county’s economic fund (MDEAT) gives up to $28,000 as a loan for the down payment and the costs of the day you sign for the home (or $14,000 if your household earns more than 80% of what a typical family in the county earns). The State of Florida (Florida Housing) gives, with FL Assist, up to $10,000 as a loan for the down payment and the costs of the day you sign for the home, and with Hometown Heroes, up to 5% of your bank loan, between $10,000 and $35,000, for the down payment and the costs of the day you sign for the home. Cities give more, but only if you buy inside them: the City of Miami gives up to $130,002 as a loan, depending on the number of bedrooms, Hialeah gives up to $150,000 as a loan, Miami Beach gives from $40,000 to $150,000 as a loan, based on what your household earns, and Miami's District 5 gives up to $200,000 as a loan, based on what your household earns and your need.

Do I have to pay back down payment assistance?

Some you do and some you do not. Most are loans with no interest and no monthly payment. Some you pay back when you sell the home, when you replace your loan with a new one, or after 30 years: the county assistance, FL Assist and Hometown Heroes work this way. Others you do not have to pay back if you keep living in the home: the county’s economic fund (MDEAT) after 20 years, the City of Miami after 30, Homestead after 10, North Miami (with state funds) after 7, and Miami Gardens within 5. The assistance some banks give (FHLBank Atlanta) does not have to be paid back if you live 5 years in the home.

Who can apply for down payment assistance in Miami?

Each program has its own rules. Almost all of them cap how much your household can earn, depending on how many people live in the home, and many also cap the price of the home. Most ask that you have not owned a home in the last 3 years (several state programs and Broward’s tax discount do not ask it of veterans or of anyone buying in a federal priority area; the City of Miami District 5 program asks that you have never owned a home), that you take a homebuyer course approved by the federal government, and that you put in some money from your own pocket. The minimum credit score changes: 640 for Florida Housing, 660 for the county housing agency (HFA) and 600 for Chenoa Fund. Some require you to be a U.S. citizen or a permanent resident. In the end, the lender that processes the assistance decides.

Can I combine two assistance programs?

Sometimes. State programs (Florida Housing) do not stack with each other, but they can be added to a county or city one, if that one allows it. The county’s $35,000 assistance can be combined with its homebuyer loan, and the county’s economic fund (MDEAT) can be combined with county, city and state assistance. In both cases, all your loans added together can reach up to 105% of the value of the home.

Is the Hometown Heroes program still open in 2026?

Florida Housing posts no pause notice (checked on October 20, 2026), but that does not mean there is money for your case: the lender handling your purchase confirms it. The Florida Housing page for lenders says more than $20 million is available in this assistance; that notice carries no date. The rates for reservations carry the date of each business day, and there is no pause notice. The assistance is up to 5% of your bank loan, between $10,000 and $35,000, for the down payment and the costs of the day you sign for the home. It is for people who work full time in Florida in health care, schools, law enforcement, fire, courts or child care, and for military members and veterans.

How do I apply for down payment assistance?

Almost all of them are requested through a lender that takes part in the program; some cities, like Hialeah and Miami Gardens, also open an application on their website. On this page you answer a few questions, see which ones could work for you and, if you choose one, we review it with you: what it asks for and how to apply.

What down payment assistance programs are there in Broward in 2026?

As of October 19, 2026 we found 24 programs for buying in Broward. Of those, 4 are from Broward County, 4 from the State of Florida (Florida Housing, with Broward’s limits), 4 are requested through banks (FHLBank Atlanta and Chenoa Fund) and 12 are from the cities of Pembroke Pines, Lauderhill, Deerfield Beach, Hallandale Beach, Miramar, Tamarac, Pompano Beach, Davie, Fort Lauderdale, Lauderdale Lakes and Plantation. According to their own source, these have money today: Chenoa Fund, Hollywood (county), Pembroke Pines (county), Pembroke Pines, Lauderhill, Deerfield Beach and Hallandale Beach. These have no money for now: the county assistance in the other cities, the county housing fund, Tamarac, Pompano Beach and Davie. These do not say whether they have money: Miramar (assistance for moderate-income families), Miramar, Fort Lauderdale, Lauderdale Lakes and Plantation. On top of those, the county has a discount on your taxes: it is not money for the down payment, it only lowers the taxes you pay each year while you live in the home.

How much down payment assistance can I get in Broward?

It depends on where you buy. Broward County gives up to $50,000 as a loan in Hollywood and up to $75,000 as a loan (the county warns that funds are limited) in Pembroke Pines; in the other cities of the county it has no money for now. Its housing fund gives up to $100,000 as a loan, and it also has no money for now. Among the cities, Lauderhill gives up to $75,000 if your income is very low, $65,000 if it is low and $40,000 if it is moderate (the last one only with state funds). Deerfield Beach gives up to $70,000 as a loan. Pembroke Pines gives up to $75,000 as a loan if your household earns up to 80% of what a typical family in the county earns, and $50,000 if it earns between 81% and 140%. The State of Florida gives the same as in Miami-Dade: with FL Assist, up to $10,000 as a loan for the down payment and the costs of the day you sign for the home, and with Hometown Heroes, up to 5% of your bank loan, between $10,000 and $35,000, for the down payment and the costs of the day you sign for the home. What changes is how much your household can earn: in Broward the limit is lower.

Can I combine two assistance programs in Broward?

Sometimes. State programs (Florida Housing) do not stack with each other, but they can be added to a county or city one, if that one allows it. The county purchase assistance can go in third place, behind a Florida Housing loan, and the county recommends adding its tax discount. Do not count on adding the county assistance to a city one: the county guide says it does not stack with a city that has its own program, and the City of Pembroke Pines says it does. Ask your lender before counting on both.

Why do some Broward programs show up as having no money?

Because their own source says so. The county says it expects a new round of money in November 2026 (that is the county’s expectation, not an opening date), so for now the county assistance only has money in Hollywood and Pembroke Pines. Tamarac will start inviting people who have finished the one-on-one counseling to apply online on November 2, 2026, at 10 a.m. Pompano Beach and Davie show as closed.

Are the State of Florida programs different in Miami-Dade and Broward?

The programs and amounts are the same, but how much your household can earn depends on the county. With FL Assist, a household of 1 or 2 people can earn up to $136,200 in Miami-Dade and up to $126,800 in Broward. Hometown Heroes works the same way: up to $136,200 in Miami-Dade and up to $126,800 in Broward, with the state loan; with other types of loan the limit is higher, and your lender tells you which one applies to you. That is why this page shows the limits of the county where you buy.

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. When two official pages give different figures, we show you the lower one, so we do not promise you more than you may get.

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