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All programs / Miami-Dade County / Miami Gardens
Miami Gardens 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.
City programs usually require the home to be inside Miami Gardens's city limits.
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
See the Miami-Dade County program details and income limits →
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.
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