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Miami-Dade County Down Payment Assistance Programs

1 local down payment assistance program for homebuyers in Miami-Dade County, checked against the official page.

Miami-Dade County down payment assistance at a glance (2026)

ProgramAmountTypeFirst-time buyerIncome limitPrice limitStatus
Homebuyer Down Payment Assistance ProgramUp to $35,000Deferred loanRequired (or no home owned in the past 3 years)Under $136,500 for a household of four (see the County chart for other sizes)Not statedOffered

Income and price limits often vary by household size. Look up your county's area median income and HUD income limits.

Local programs

Homebuyer Down Payment Assistance Program

Deferred loan

Miami-Dade County Housing and Community Development

Amount
Up to $35,000
First-time buyer
Required (or no home owned in the past 3 years)
Status
Offered
Income limit
Under $136,500 for a household of four (see the County chart for other sizes)

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.

Last checked Nov 3, 2026 · Official source (opens in new tab) ↗

Other local programs in Florida

Statewide help in Florida

You may also qualify for 3 statewide Florida programs. Local and state assistance can sometimes be layered; confirm with each administrator.

Check eligibility for Florida How to apply

Compare these programs · AMI / income limits · All Florida programs

HUD-approved homebuyer counselors in Florida (98)

Many down payment programs require a homebuyer class or counseling session. These agencies are approved by HUD and offer pre-purchase counseling or homebuyer education, usually free or low cost. From HUD's housing counselor list ↗, retrieved Nov 4, 2026.

Common questions

Does Miami-Dade County offer down payment assistance?

Yes. We list 1 local program checked against official pages: Homebuyer Down Payment Assistance Program from Miami-Dade County Housing and Community Development (Up to $35,000).

Do I have to be a first-time homebuyer for Miami-Dade County assistance?

The official pages state: Homebuyer Down Payment Assistance Program: Required (or no home owned in the past 3 years).

What are the income limits for Miami-Dade County down payment assistance?

Published on the official pages: Homebuyer Down Payment Assistance Program: Under $136,500 for a household of four (see the County chart for other sizes). Confirm current limits with the administrator.

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.

Can I combine Miami-Dade County assistance with statewide Florida programs?

Sometimes. Florida also has 3 statewide programs listed here; whether they can be layered with local help depends on each program's rules, so ask both administrators.

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