City of Miami Gardens Purchase Assistance Program for First-Time Buyers
Nelson Paredes · REALTOR® · One Stop Realty Center Inc
Updated October 19, 2026
Up to $20,000
The city is accepting pre-applications — checked October 12, 2026. According to its page, funding is limited. Official source.
The most the loan can be, not what you will necessarily receive. Before you count on it, see what the city still has to confirm.
The figures and requirements come from the official program page, checked on October 12, 2026. The status above comes from the last time we read the city’s page, with its date.
- How much: up to $20,000 as a loan. It is a maximum, not what you will necessarily receive.
- 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: first-time buyers purchasing a home inside the City of Miami Gardens priced up to $382,195, with household income within the cap in the table below.
- How to apply: with a pre-application that you leave on the city’s official page.
The program is run by City of Miami Gardens, Community Development Department. It provides up to $20,000 as a loan.
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.
Before you sign, read the whole loan contract and ask the city anything you do not understand, especially what happens if you sell the home early.
It is a program for first-time buyers who buy inside the City of Miami Gardens. Confirm with the city how it defines “first-time buyer” in your case.
The income cap depends on how many people live in your household:
People in your household The most your household can earn per year 1 $95,400 2 $108,960 3 $122,520 4 $136,200 5 $147,120 6 or more $158,040 The home can cost up to $382,195.
Before you apply, confirm this with the city:
- 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.
- 1Check that this is the right program for youCompare this program with the others in Miami-Dade and Broward, using your own data, before you start gathering papers.See which programs could fit
- 2Clear up your questions with the cityRead the official page and ask the city about whatever is still open in the list above. Until it answers, run your numbers with the lower amount.
- 3Leave your pre-applicationThe city accepts pre-applications on its official page. A pre-application is not an approval: it is the first step into the process.
- 4Gather what the city asks forHave on hand the documents it asks you for. Its document list overrides any summary, including this one.
In the assistance finder you can compare this program with others in Miami-Dade and Broward, using your own numbers. The Assistance Tracker shows each program’s status with the date we checked it. This guide explains the terms, but it does not replace the city’s review of your case.
How much will the city give me? The assistance is up to $20,000 as a loan. It is a maximum. Before you count on that money, see “Who can apply” for what the city still has to confirm.
Do I have to pay the money back? It is a loan. How it is repaid is in “How much it provides and how it is repaid”. What happens if you sell the home early is set by the contract you sign with the city: read it in full before you sign.
Does it work for any home? No. It has to be inside the City of Miami Gardens and cost up to $382,195.
Do my credit and immigration status matter? The city is the one that confirms whether your credit and your immigration status work. Ask it before you spend time or money.
Is money available today? The program’s funding is limited. See the card above: it says what we checked on the city’s page and on what date.
Figures and requirements checked on October 12, 2026 against the city’s official program page. Public program terms can change without notice: always confirm with City of Miami Gardens, Community Development Department before applying. This guide orients you, it does not advise you.
