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All programs / Miami-Dade County / Miami
Miami homebuyer programs
Miami is in Miami-Dade County. Buyers here can look at 2 city programs, 3 county-wide programs, and 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.
Miami city programs
City programs usually require the home to be inside Miami's city limits.
City of Miami First-Time Homebuyer Program
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.
- Where
- Miami
- First-time buyer
- Required
- Income limit
- At or below 80% of Area Median Income.
- Purchase price limit
- $494,000
2026 income limits by household size
| 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 |
- Contribute $500 of your own funds
- Home must be inside City of Miami limits
City of Miami Dept. of Housing & Community Development
City of Miami District 5 Expanded First-Time Homebuyer Program
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.
- Where
- Miami (District 5)
- First-time buyer
- Required
- Income limit
- Up to 120% of Area Median Income.
- Purchase price limit
- $500,000
2026 income limits by household size
| 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 |
- Home must be inside District 5
- 12 months of City of Miami residency, or a sworn first responder
City of Miami
Miami-Dade County programs that also apply
- HFA of Miami-Dade Down Payment Assistance: Up to $15,000
- Miami-Dade Affordable Housing Surtax & SHIP Down Payment Assistance: $35,000 up to $100,000 in designated vulnerability areas ($80,000 elsewhere)
- Miami-Dade Homeownership Assistance Program (HAP): Up to $28,500 (at or below 80% AMI) or up to $14,500 (80% to 140% AMI)
See the Miami-Dade County program details and income limits →
Statewide programs that also apply
- FHA Insured Mortgage
- VA Guaranteed Home Loan
- USDA Section 502 Guaranteed Rural Housing Loan
- Fannie Mae HomeReady Mortgage
- Freddie Mac Home Possible Mortgage
- Florida Hometown Heroes Housing Program
- Florida Assist (FL Assist)
- Florida Homeownership Loan Program (FL HLP)
- HFA Preferred and HFA Advantage PLUS Second Mortgage
- Mortgage Credit Certificate (MCC)
- HUD Good Neighbor Next Door
- Florida Military Heroes Loan Program
- Physician Loans (Doctor Loans)
See the statewide program details →
Florida Homebuyer School