Palm Beach County buyers can look at 5 county and city programs in Boca Raton, Delray Beach and West Palm Beach, 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.
County-wide programs
Palm Beach County Homebuyer Match Pilot Program
Dollar-for-dollar match of your contribution, up to $50,000
The county matches the money you put in, dollar for dollar, as a loan that's fully forgiven after 15 years of living in the home. Built for current Palm Beach County residents with workforce incomes.
Where
Palm Beach County
Income limit
100% to 140% of Area Median Income (catalog example: up to $163,660 for a family of four).
Purchase price limit
$700,000
2026 income limits by household size
Household size
At least
Up to
1
Not published
$126,000
2
Not published
$143,920
3
Not published
$161,980
4
Not published
$179,900
5
Not published
$194,320
6
Not published
$208,740
7
Not published
$223,160
8
Not published
$237,580
Must already live in Palm Beach County
You must contribute at least $10,000
Palm Beach County Dept. of Housing and Economic Development (DHED)
Palm Beach County SHIP / HOME Down Payment Assistance
Up to $100,000
A deferred second mortgage forgiven at the end of 30 years if the home stays your primary residence. Funding opens and closes during the year.
Where
Palm Beach County
Income limit
Based on household size, typically under 80% of Area Median Income.
2026 income limits by household size
Household size
Up to
1
$71,950
2
$82,250
3
$92,550
4
$102,800
5
$111,050
6
$119,250
7
$127,500
8
$135,700
No more than $200,000 in liquid assets
Palm Beach County Dept. of Housing and Economic Development (DHED)
City programs
These usually require the home to be inside the city limits.
Boca Raton SHIP Program
Up to $190,000
A large 0% deferred loan over 20 years toward buying a home in Boca Raton, with strict income and price limits.
Where
Boca Raton
Income limit
Strict income and purchase price limits (not in the catalog).
Boca Raton Community Services
Delray Beach SHIP / HOME
Up to $75,000
Down payment help for first-time buyers in Delray Beach, as a loan forgiven over 10 to 15 years.
Where
Delray Beach
First-time buyer
Required
Income limit
80% to 120% of Area Median Income.
2026 income limits by household size
Household size
Up to
1
$108,000
2
$123,360
3
$138,840
4
$154,200
5
$166,560
6
$178,920
7
$191,280
8
$203,640
Delray Beach Community Development
West Palm Beach Homebuyer Assistance
Amount not listed
Gap financing and closing cost help for buyers in West Palm Beach.
Where
West Palm Beach
Income limit
Income and home value caps based on the local HUD median.
West Palm Beach Housing and Community Development
Palm Beach County income limits
Many programs set their limit as a percentage of area median income (AMI) for the West Palm Beach-Boca Raton HMFA. The area median income is $107,600. Check each program's own limit, since they use different percentages.
Florida Homebuyer School