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All programs / Miami-Dade County / Miami Beach

Miami Beach homebuyer programs

Miami Beach is in Miami-Dade County. Buyers here can look at 1 city program, 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 Beach city program

City programs usually require the home to be inside Miami Beach's city limits.

Miami Beach First-Time Homebuyer Program

$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.

Where
Miami Beach
First-time buyer
Required
Income limit
Area Median Income caps apply (percentages not in the catalog).
  • 2% down payment from your own funds
  • Home must be inside Miami Beach limits

Miami Beach Community Development / SHIP

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 →

Income limits in Miami Beach

Programs here use the Miami-Dade County figures for the Miami-Miami Beach-Kendall HMFA. For example, 80% of area median income is $109,000 for a household of four. Each program uses its own percentage, so check its limit. See every household size →

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.

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 →

Other Miami-Dade County cities

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