New programs are being added and existing ones updated every month. Check back soon.
All programs / Palm Beach County / Delray Beach
Delray Beach is in Palm Beach County. Buyers here can look at 1 city program, 2 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 Delray Beach's city limits.
Up to $75,000
Down payment help for first-time buyers in Delray Beach, as a loan forgiven over 10 to 15 years.
| 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
See the Palm Beach County program details and income limits →
Programs here use the Palm Beach County figures for the West Palm Beach-Boca Raton HMFA. For example, 80% of area median income is $102,800 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.
Want to know which Delray Beach programs are worth asking about for you?
Take the 90-second quiz →
Florida Homebuyer School