Homebuyer Down Payment Assistance Program (FL)

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

Deferred loan Offered

At a glance: Up to $35,000, deferred loan (no payments until you sell, refinance or pay off). First-time buyer: Required (or no home owned in the past 3 years). Checked against the official page on Nov 3, 2026.

Program details
Assistance type	Deferred loan — No payments until you sell, refinance or pay off
Amount	Up to $35,000
Income limit	Under $136,500 for a household of four (see the County chart for other sizes)
Purchase price limit	Not verified on the official page — check the source
First-time buyer rule	Required (or no home owned in the past 3 years)
Status	Offered
Status note	Not verified on the official page — check the source
Details	No monthly payments; the unpaid balance is due at maturity of up to 30 years. Buyer pays at least 1% of the price from their own funds, must use a fixed-rate first mortgage and must be a Miami-Dade County resident at application and closing.
Official source	https://www.miamidade.gov/global/housing/downpayment-assistance.page (opens in new tab)
Last checked	Nov 3, 2026 (automated fetch)

Go to the official program page ↗ Report a correction

Other Florida programs

Pinellas County Down Payment Assistance — Up to $75,000
Housing Down Payment Assistance Program — 20% of the sales price plus $5,000 for closing costs, up to $75,000
Hillsborough First DPA — Up to $15,000
Down Payment Assistance Program — Up to $70,000 (very low income), $40,000 (low income) or $10,000 (moderate income)
Headstart to Homeownership (H2H) — Up to $25,000
Dare to Own the Dream — Up to $50,000, based on income
Florida Assist (FL Assist) — Up to $10,000
Florida Homeownership Loan Program (FL HLP) Second Mortgage — $12,500
Florida Hometown Heroes — 5% of the first mortgage, minimum $10,000, maximum $35,000

← All Florida programs · Check eligibility · Compare with other programs

Common questions

How much is Homebuyer Down Payment Assistance Program?

Up to $35,000 (per the official page, checked Nov 3, 2026).

Is Homebuyer Down Payment Assistance Program a grant or a loan?

Deferred loan: no payments until you sell, refinance or pay off.

Do I have to be a first-time homebuyer for Homebuyer Down Payment Assistance Program?

Required (or no home owned in the past 3 years).

What is the income limit for Homebuyer Down Payment Assistance Program?

Under $136,500 for a household of four (see the County chart for other sizes).

How does Homebuyer Down Payment Assistance Program work?

No monthly payments; the unpaid balance is due at maturity of up to 30 years. Buyer pays at least 1% of the price from their own funds, must use a fixed-rate first mortgage and must be a Miami-Dade County resident at application and closing.

Is Homebuyer Down Payment Assistance Program still available in 2026?

The official page listed it as offered when we last checked on Nov 3, 2026. Funding can change, so confirm with the administrator.

Who runs Homebuyer Down Payment Assistance Program?

Miami-Dade County Housing and Community Development, Miami-Dade County, Florida. Apply through the program or one of its participating lenders.