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All programs / Miami-Dade County
Miami-Dade County buyers can look at 9 county and city programs in Hialeah, Miami, Miami Beach, Miami Gardens and North Miami, plus statewide Florida and federal options. Each program sets its own rules, so treat this page as a list of questions to ask a lender, 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.
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)
These usually require the home to be inside the city limits.
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
Many programs set their limit as a percentage of area median income (AMI) for the Miami-Miami Beach-Kendall HMFA. The area median income is $89,800. Check each program's own limit, since they use different percentages.
| Household size | 50% AMI | 80% AMI | 120% AMI | 140% AMI |
|---|---|---|---|---|
| 1 | $47,700 | $76,300 | $114,480 | $133,560 |
| 2 | $54,500 | $87,200 | $130,800 | $152,600 |
| 3 | $61,300 | $98,100 | $147,120 | $171,640 |
| 4 | $68,100 | $109,000 | $163,440 | $190,680 |
| 5 | $73,550 | $117,750 | $176,520 | $205,940 |
| 6 | $79,000 | $126,450 | $189,600 | $221,200 |
| 7 | $84,450 | $135,150 | $202,680 | $236,460 |
| 8 | $89,900 | $143,900 | $215,760 | $251,720 |
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.
These Florida and federal programs are open to buyers in Miami-Dade County too.
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