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All programs / Miami-Dade County / North Miami

North Miami homebuyer programs

North Miami 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.

North Miami city program

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

North Miami Headstart to HOME Ownership (H2H)

Up to $40,000

Help with the down payment and closing costs for homes inside North Miami, forgiven over 7 to 15 years.

Where: North Miami
First-time buyer: Required
Income limit: Up to 80% of Area Median Income.

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

Home must be inside North Miami

North Miami Housing Division

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 North Miami

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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