New programs are being added and existing ones updated every month. Check back soon.
Federal, statewide, county, city and profession-based programs for buyers in Miami-Dade, Broward and Palm Beach, explained in plain English. This is an educational overview, not a list of programs you qualify for.
Information as of: October 28, 2026
Program rules, limits and funding change often, sometimes mid-year. Always verify current details with a participating lender before making decisions.
Income limits from: Florida Housing Finance Corporation, 2026 Income Limits and Rent Limits, SHIP and HHRP Programs (based on HUD figures), effective May 1, 2026.
Full Miami-Dade County guide, with income limits →
Up to $15,000
A 0% deferred second mortgage for down payment help, combined with a low-interest 30-year fixed first mortgage.
Housing Finance Authority of Miami-Dade
$35,000 up to $100,000 in designated vulnerability areas ($80,000 elsewhere)
A large interest-free deferred loan toward buying a home. If you sell within the first 6 years, part of the profit goes back to the county.
| Household size | Up to |
|---|---|
| 1 | $133,560 |
| 2 | $152,600 |
| 3 | $171,640 |
| 4 | $190,680 |
| 5 | $205,940 |
| 6 | $221,200 |
| 7 | $236,460 |
| 8 | $251,720 |
Miami-Dade Public Housing and Community Development (PHCD)
Up to $28,500 (at or below 80% AMI) or up to $14,500 (80% to 140% AMI)
A 0% deferred loan toward the down payment and closing costs, fully forgiven after 20 years of living in the home. Open to first-time and repeat buyers.
| Household size | Up to |
|---|---|
| 1 | $133,560 |
| 2 | $152,600 |
| 3 | $171,640 |
| 4 | $190,680 |
| 5 | $205,940 |
| 6 | $221,200 |
| 7 | $236,460 |
| 8 | $251,720 |
Miami-Dade Economic Advocacy Trust (MDEAT)
Amount not listed
Deferred help with the down payment and closing costs for homes inside Hialeah.
Hialeah Housing and Community Services
Up to $130,002, based on bedroom count
A 0% deferred loan for down payment help on a home inside City of Miami limits. The amount depends on the number of bedrooms.
| Household size | Up to |
|---|---|
| 1 | $76,300 |
| 2 | $87,200 |
| 3 | $98,100 |
| 4 | $109,000 |
| 5 | $117,750 |
| 6 | $126,450 |
| 7 | $135,150 |
| 8 | $143,900 |
City of Miami Dept. of Housing & Community Development
Up to $200,000
A large 0% loan with no monthly payment for homes inside City of Miami District 5, for existing City of Miami residents or first responders.
| Household size | Up to |
|---|---|
| 1 | $114,480 |
| 2 | $130,800 |
| 3 | $147,120 |
| 4 | $163,440 |
| 5 | $176,520 |
| 6 | $189,600 |
| 7 | $202,680 |
| 8 | $215,760 |
City of Miami
$40,000 to $150,000, depending on income tier
Down payment help for homes inside Miami Beach, as a loan forgiven over 15 years. The amount depends on your income tier.
Miami Beach Community Development / SHIP
Up to $20,000
A 0% deferred loan toward buying a home in Miami Gardens, fully forgiven after 5 years.
| Household size | Up to |
|---|---|
| 1 | $114,480 |
| 2 | $130,800 |
| 3 | $147,120 |
| 4 | $163,440 |
| 5 | $176,520 |
| 6 | $189,600 |
| 7 | $202,680 |
| 8 | $215,760 |
City of Miami Gardens Community Services
Up to $40,000
Help with the down payment and closing costs for homes inside North Miami, forgiven over 7 to 15 years.
| Household size | Up to |
|---|---|
| 1 | $76,300 |
| 2 | $87,200 |
| 3 | $98,100 |
| 4 | $109,000 |
| 5 | $117,750 |
| 6 | $126,450 |
| 7 | $135,150 |
| 8 | $143,900 |
North Miami Housing Division
Full Broward County guide, with income limits →
Up to $100,000, plus $10,000 for the workforce tier and $5,000 for certain professions
A large 0% deferred loan toward buying a home, forgiven after you've lived there for a set number of years. Extra amounts are available for some workforce buyers and certain professions.
| Household size | At least | Up to |
|---|---|---|
| 1 | $44,350 | $124,180 |
| 2 | $50,700 | $141,960 |
| 3 | $57,000 | $159,600 |
| 4 | $63,400 | $177,520 |
| 5 | $68,450 | $191,660 |
| 6 | $73,550 | $205,940 |
| 7 | $78,650 | $220,220 |
| 8 | $83,700 | $234,360 |
Broward County Housing Finance Authority (HFA)
Historically up to $80,000, depending on income tier
A deferred loan with no monthly payment toward the down payment and closing costs. Funding opens and closes during the year.
Broward County Housing and Community Development
Amount not listed
Gap financing toward the down payment and closing costs for first-time buyers in Fort Lauderdale.
Fort Lauderdale Housing and Community Development
Up to $50,000
A 0% deferred loan for 15 years toward buying a home in Hollywood.
| Household size | Up to |
|---|---|
| 1 | $106,440 |
| 2 | $121,680 |
| 3 | $136,800 |
| 4 | $152,160 |
| 5 | $164,280 |
| 6 | $176,520 |
| 7 | $188,760 |
| 8 | $200,880 |
Hollywood Community Development
Up to $50,000 (below 50% AMI) or $40,000 (51% to 80% AMI)
A 0% deferred loan for first-time buyers in Miramar, forgivable after 15 years if the conditions are met.
| Household size | Up to |
|---|---|
| 1 | $71,000 |
| 2 | $81,150 |
| 3 | $91,300 |
| 4 | $101,400 |
| 5 | $109,550 |
| 6 | $117,650 |
| 7 | $125,750 |
| 8 | $133,850 |
City of Miramar Economic Development & Housing
Up to $30,000, capped at 10% of the purchase price
An interest-free deferred second mortgage for moderate-income buyers in Miramar, including households earning more than most programs allow.
City of Miramar Economic Development & Housing
Up to $50,000
Help with the down payment and closing costs for lower-income households buying in Pompano Beach.
| Household size | Up to |
|---|---|
| 1 | $71,000 |
| 2 | $81,150 |
| 3 | $91,300 |
| 4 | $101,400 |
| 5 | $109,550 |
| 6 | $117,650 |
| 7 | $125,750 |
| 8 | $133,850 |
Pompano Beach Office of Housing and Urban Improvement (OHUI)
Amount not listed
A 0% deferred loan toward the down payment and closing costs for first-time buyers in Sunrise.
Sunrise Community Development
Full Palm Beach County guide, with income limits →
Dollar-for-dollar match of your contribution, up to $50,000
The county matches the money you put in, dollar for dollar, as a loan that's fully forgiven after 15 years of living in the home. Built for current Palm Beach County residents with workforce incomes.
| Household size | At least | Up to |
|---|---|---|
| 1 | Not published | $126,000 |
| 2 | Not published | $143,920 |
| 3 | Not published | $161,980 |
| 4 | Not published | $179,900 |
| 5 | Not published | $194,320 |
| 6 | Not published | $208,740 |
| 7 | Not published | $223,160 |
| 8 | Not published | $237,580 |
Palm Beach County Dept. of Housing and Economic Development (DHED)
Up to $100,000
A deferred second mortgage forgiven at the end of 30 years if the home stays your primary residence. Funding opens and closes during the year.
| Household size | Up to |
|---|---|
| 1 | $71,950 |
| 2 | $82,250 |
| 3 | $92,550 |
| 4 | $102,800 |
| 5 | $111,050 |
| 6 | $119,250 |
| 7 | $127,500 |
| 8 | $135,700 |
Palm Beach County Dept. of Housing and Economic Development (DHED)
Up to $190,000
A large 0% deferred loan over 20 years toward buying a home in Boca Raton, with strict income and price limits.
Boca Raton Community Services
Up to $75,000
Down payment help for first-time buyers in Delray Beach, as a loan forgiven over 10 to 15 years.
| Household size | Up to |
|---|---|
| 1 | $108,000 |
| 2 | $123,360 |
| 3 | $138,840 |
| 4 | $154,200 |
| 5 | $166,560 |
| 6 | $178,920 |
| 7 | $191,280 |
| 8 | $203,640 |
Delray Beach Community Development
Amount not listed
Gap financing and closing cost help for buyers in West Palm Beach.
West Palm Beach Housing and Community Development
3.5% minimum down payment
A government-insured first mortgage with a low minimum down payment and flexible qualifying rules. Most local down payment programs are paired with a first mortgage like this.
U.S. Department of Housing and Urban Development (HUD), through approved lenders
No down payment required
A first mortgage for eligible service members, veterans and qualifying surviving spouses, with no down payment and no private mortgage insurance.
U.S. Department of Veterans Affairs, through approved lenders
No down payment required
A no-down-payment first mortgage for homes in USDA-designated rural areas. In South Florida that only covers a few far-western or agricultural pockets.
USDA Rural Development, through approved lenders
3% minimum down payment
A conventional first mortgage with a 3% minimum down payment, reduced mortgage insurance and pricing designed for moderate-income buyers.
Fannie Mae, through approved lenders
3% minimum down payment
A conventional first mortgage with a 3% minimum down payment and discounted mortgage insurance. Allows some buyer repair work (sweat equity) to count toward the down payment.
Freddie Mac, through approved lenders
5% of the first mortgage, from $10,000 up to $35,000
Help with the down payment and closing costs for full-time workers in certain essential jobs and for military members and veterans. It's a 0% deferred second mortgage, not a grant: it's repaid when you sell, refinance, transfer the home or stop living there.
Florida Housing Finance Corporation, through participating lenders
Up to $10,000
A 0% deferred second mortgage for down payment and closing costs. No monthly payment; it's repaid later (for example when you sell or refinance).
Florida Housing Finance Corporation, through participating lenders
$12,500
A second mortgage for down payment and closing costs that you repay monthly at 3% over 15 years (the catalog estimates about $86 a month).
Florida Housing Finance Corporation, through participating lenders
3%, 4% or 5% of the loan amount
A percentage of the loan amount toward your down payment and closing costs, forgiven a little each year. Stay in the home 5 years and it's fully forgiven. Paired with a conventional first mortgage.
Florida Housing Finance Corporation, through participating lenders
Tax credit up to 50% of mortgage interest, capped at $2,000 a year
A federal tax credit on part of the mortgage interest you pay each year, which can help you qualify. If you sell within 9 years and your income has risen a lot, some of the benefit may have to be paid back (recapture tax).
Local Housing Finance Authorities
50% off the list price of eligible HUD homes
Eligible teachers, police officers, firefighters and EMTs can buy certain HUD-owned homes in designated revitalization areas at half the list price, if they live there for 3 years.
U.S. Department of Housing and Urban Development
Below-market first mortgage rate
A first mortgage for veterans with a below-market interest rate, designed to pair with Florida Housing down payment help. You don't have to be a first-time buyer.
Florida Housing Finance Corporation, through participating lenders
Up to 100% financing, no PMI
Loans from some lenders for doctors and dentists, with up to 100% financing, no private mortgage insurance, and deferred medical school debt left out of the qualifying math.
Various national and regional lenders
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