Florida down payment assistance finder

Broward County Housing and Urban Planning Division · Broward County

Who qualifies

Households under 120% of area median income buying a single-family home, condo, villa or townhome anywhere in Broward (maximum price $679,324). You may not have owned a home in the last 3 years. Buyer contributes 3% of the price (not required on VA loans). Your lender reserves the funds.

Maximum

Up to $100,000 per household.

Form

0% deferred second mortgage, 15-year term.

Status

Funds are allocated by county commission district, first-come, first-qualified. The county page says to check its flyer for current availability.

Official page for Broward County Affordable Housing Trust Fund (AHTF) purchase assistance ↗

Broward County Housing and Urban Planning Division · Coral Springs

Who qualifies

Income-eligible first-time buyers (no home owned in the last 3 years) in the Broward cities the county serves. Income limit 80% of area median for most cities.

Maximum

Varies by city (the June 17, 2026 flyer lists $40,000 to $120,000).

Form

0% deferred second mortgage, 15-year term; satisfied after 15 years as your homestead (county lender guidelines).

Status

The county's June 17, 2026 flyer shows “No funds” for most cities, with new allocations expected in November 2026. Hollywood and Pembroke Pines are listed separately below.

Official page for Broward County Homebuyer Purchase Assistance (HPA), city allocations ↗

Housing Finance Authority of Broward County · Broward County · Tax credit, not down payment money

Who qualifies

First-time buyers (no principal residence owned in the last 3 years; waived in targeted areas) under income and price limits, with a participating lender.

Maximum

A federal income tax credit of up to $2,000 a year. There is a $175 application fee (subject to change).

Form

Tax credit, not a loan. It can be combined with down payment assistance acceptable to the lender.

Status

Described on the HFA's page; no funding or allocation status posted.

Official page for Mortgage Credit Certificate (MCC) ↗

City of Fort Lauderdale Housing & Community Development · Fort Lauderdale

Who qualifies

Very low-, low- and moderate-income first-time buyers in city limits, with a housing counseling certificate and a first-mortgage commitment from a participating lender.

Maximum

Up to $90,000 (the maximum award in the city's 2025–2028 SHIP housing plan).

Form

0% deferred loan, forgiven after 15 years if you stay in the home and keep it in good standing.

Status

The city's SHIP page lists purchase assistance, but its brochure didn't load for us and no open/closed notice is posted. Call the city to confirm.

Official page for City of Fort Lauderdale Purchase Assistance (SHIP) ↗

Broward County Housing and Urban Planning Division, for the City of Hollywood · Hollywood

Who qualifies

Income-eligible first-time buyers in Hollywood. Income limit 120% of area median.

Maximum

Up to $50,000.

Form

0% deferred second mortgage, 15-year term (county HPA rules).

Status

Listed with funds on the county's June 17, 2026 flyer; no newer status posted.

Official page for Hollywood purchase assistance (through Broward County HPA) ↗

City of Pompano Beach Office of Housing and Urban Improvement · Pompano Beach

Who qualifies

First-time buyers within the city’s FY2026 income limits (up to 80% of area median), prequalified with a lender and under contract.

Maximum

Not stated on the city page (see the city flyer).

Form

Pays all or part of the down payment and closing costs; terms in the city’s policy manual.

Status

The city page says the program has been closed since June 8, 2026.

Official page for City of Pompano Beach First-Time Homebuyer Purchase Assistance ↗

City of Coral Springs Community Development · Coral Springs

Who qualifies

Eligible first-time buyers purchasing in Coral Springs (income limits apply).

Maximum

Up to $80,000.

Form

0% deferred second mortgage, 15-year term.

Status

The city page describes the program but posts no open/closed notice. (Separately, the county's June 17, 2026 HPA flyer shows no county funds for Coral Springs.)

Official page for City of Coral Springs Purchase Assistance ↗

Community Redevelopment Associates of Florida, administrator for the City of Pembroke Pines · Pembroke Pines

Who qualifies

First-time buyers (no principal residence owned in the last 3 years) with lender pre-approval, an 8-hour HUD homebuyer class and a contract with a city-funds contingency. Primary homesteaded residence.

Maximum

Up to $75,000 at or below 80% of area median, per the county's June 17, 2026 flyer (“limited funds”). Award depends on household size and income.

Form

Grant funds under a 10-year deferred loan, recaptured if the home stops being your primary residence or title changes.

Status

The administrator's page says purchase assistance funding “is currently available.” Funds are never reserved; first-come, first-served.

Official page for City of Pembroke Pines First-Time Homebuyer Purchase Assistance ↗

City of Miramar Housing Division · Miramar

Who qualifies

Low- to moderate-income first-time buyers (no ownership in 3 years), U.S. citizens or legal residents, contributing at least 1% of their own funds, buying a primary residence in Miramar.

Maximum

Up to $90,000; the amount varies with income.

Form

0% deferred second loan, 15 years, that becomes a grant if all program conditions are met.

Status

First-come, first-qualified until funds run out. No closed notice on the city page.

Official page for City of Miramar Low to Moderate Income Purchase Assistance ↗

City of Miramar Housing Division · Miramar

Who qualifies

First-time buyers with household income up to $165,000, contributing at least 1%, buying a primary residence in Miramar.

Maximum

Up to $30,000 (up to 10% of the price).

Form

Deferred loan.

Status

The city page says the application period opens October 15.

Official page for City of Miramar Moderate-Income Mortgage Assistance (MIMA) ↗

Housing Finance Authority of Palm Beach County · Palm Beach County

Who qualifies

First-time buyers under income and price limits, through a participating lender, meeting FHA/VA/RD or Freddie Mac underwriting and the lender’s credit score minimum. The grant option has no first-time buyer requirement.

Maximum

Up to $17,500 (soft second). The grant amount isn’t stated on the page.

Form

0% soft second mortgage due on sale, refinance or in 30 years; or a non-repayable grant.

Status

The HFA page says it “currently offers” both; no funding status posted.

Official page for Own a Home Opportunity Program (and Grant Program) ↗

Palm Beach County Department of Housing and Economic Development · Palm Beach County

Who qualifies

Households at 80% to 140% of area median income contributing at least $10,000, buying a home up to $700,000.

Maximum

Up to $50,000, matching your cash dollar for dollar.

Form

Assistance for down payment, rate buy-down, minor repairs and closing costs (terms in the county guidelines).

Status

The county page says “Application Closed” (the 2026 lottery window ran March 30 to April 20, 2026).

Official page for Palm Beach County Homebuyer Match Pilot Program ↗

Palm Beach County Department of Housing and Economic Development · Palm Beach County

Who qualifies

Members of the county workforce buying an approved Workforce Housing unit at a below-market price; orientation and an 8-hour homebuyer class required.

Maximum

Not stated on the page.

Form

Down payment and closing cost assistance for those who qualify.

Status

The county page is active (orientation sign-up and 2026 price and income charts).

Official page for Palm Beach County Workforce Housing Program (WHP) ↗

Palm Beach County Department of Housing and Economic Development · Palm Beach County

Who qualifies

Not confirmed.

Maximum

Not confirmed.

Form

County first-mortgage assistance (terms not confirmed).

Status

Listed on the county's funding page, but the program page returned “page not found” on Oct 17, 2026.

Official page for Palm Beach County SHIP First Mortgage Loan Program ↗

City of Boca Raton Community Improvement Division · Boca Raton

Who qualifies

Eligible first-time buyers buying an owner-occupied home in Boca Raton, within the income categories in the application.

Maximum

Based on need, up to the income-category limits in the application packet.

Form

0% deferred-payment loan for down payment and closing costs (and minor repairs after closing).

Status

The city page says “Currently accepting applications,” funding is very limited, and new applicants may be wait-listed. Applications go by mail.

Official page for City of Boca Raton SHIP Purchase Assistance ↗

City of Delray Beach Neighborhood Services Division · Delray Beach

Who qualifies

First-time buyers (no home in the last 3 years) up to 140% of area median income, in city limits, with lender pre-approval, 6 hours of HUD-approved education and at least 2% of the price.

Maximum

Up to $75,000.

Form

0% deferred loan for 10 or 15 years (based on the amount), forgiven at the end if program rules are met.

Status

The city page says intake is closed because it reached maximum capacity (the 2026 window was March 2 to 30).

Official page for City of Delray Beach SHIP Purchase Assistance ↗

City of West Palm Beach Housing & Community Development · West Palm Beach

Who qualifies

No program for individual buyers.

Maximum

None.

Form

None.

Status

The city says it “does not currently offer a home purchase assistance program that is open to the general public.” County and state programs may still apply.

Official page for City of West Palm Beach ↗

Housing Finance Authority of Miami-Dade County · Miami-Dade County

Who qualifies

First-time buyers (no home owned in the last 3 years; waived in federal target areas) with an HFA mortgage, minimum 660 credit score, 24 months in the same line of work, U.S. citizen or permanent resident, income up to $190,680, 8-hour homebuyer course. Condos and 1–4 unit homes in Miami-Dade.

Maximum

Up to $15,000.

Form

0% deferred second mortgage, with the HFA’s 30-year fixed first mortgage.

Status

The HFA page describes the program; no funding status posted.

Official page for HFA of Miami-Dade County down payment assistance ↗

Miami-Dade County Housing and Community Development · Miami-Dade County

Who qualifies

Very low- to moderate-income households up to 140% of area median income, buying a primary residence, with an HCD-approved first mortgage lender. One time per family.

Maximum

Up to $100,000 at 1% in vulnerability areas, or $80,000 at 2% elsewhere.

Form

Low-interest 30-year second (and/or third) mortgage. Due if you sell, transfer, rent or move out.

Status

Described on the county page; no funding status posted.

Official page for Miami-Dade County Homebuyer Loan Program (Documentary Surtax) ↗

Miami-Dade County Housing and Community Development · Miami-Dade County

Who qualifies

First-time buyers who are Miami-Dade residents, within the income chart (up to 140% of area median), with HUD-approved counseling and education and at least 1% of the price from their own funds. Fixed-rate first mortgages only.

Maximum

Up to $35,000.

Form

0% deferred loan up to 30 years, no monthly payment; due on sale, transfer, refinance or maturity. Shares in resale profit if you sell within 6 years.

Status

Described on the county page; no funding status posted.

Official page for Miami-Dade County Homebuyer Down Payment Assistance ↗

City of Miami Department of Housing & Community Development · City of Miami

Who qualifies

First-time buyers (no home in the last 3 years) at or below 80% of area median income, contributing at least $500, buying in City of Miami limits (folio starting with 01).

Maximum

Not stated on the page. Maximum home price $494,000 (effective Dec 1, 2025; another step on the same page still says $451,000).

Form

0% deferred loan. Repaid if you sell or transfer early, with the city sharing in any gain.

Status

The city page explains how to apply through a participating lender; no funding status posted.

Official page for City of Miami First-Time Homebuyer Program ↗