Florida help / Broward
Down payment assistance in Broward County
These are the plans we have checked in Broward County so far: from the county, from its cities, and from the state, each with the link to its official document. We keep looking for more.
17
plans we have checked in Broward
3
levels: county, city, state
Sep 2026
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Broward County SHIP — Purchase Assistance | Broward County | Broward County, except Coral Springs, Davie, Deerfield Beach, Fort Lauderdale, Hollywood, Lauderhill, Margate, Miramar, Pembroke Pines, Plantation, Pompano Beach, Sunrise and Tamarac | Deferred loan with no payments, forgiven in full at the end of 15 years; nothing is forgiven before then. Paused (Sep 2026) Applications are served in order: apply early, with all your papers ready. | Official document |
| Broward County — Affordable Housing Trust Fund (AHTF), Home Buyer Programs | Broward County Housing and Urban Planning Division | Whole county | Deferred second loan at 0% with a 15-year term. The guidelines don't say whether it's forgiven or paid back, so we don't say either. Open (Jul 2026) No funds this year for part of this help: purchase of an existing home. Checked Sep 2026. | Official document |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Coral Springs SHIP — Purchase Assistance | City of Coral Springs | Coral Springs | Deferred loan with no payments, forgiven 6.7% each year: after 15 years you owe nothing. No money budgeted this year (Sep 2026) | Official document |
| Davie SHIP — Purchase Assistance | Town of Davie | Davie | Deferred loan with no payments, forgiven 10% each year: after 10 years you owe nothing. Refinancing makes it come due, unless it only changes the rate or the term and you take no cash out. No money budgeted this year (Sep 2026) | Official document |
| Deerfield Beach SHIP — Purchase Assistance | City of Deerfield Beach | Deerfield Beach | Deferred loan with no payments, forgiven in equal parts each year over a term of 5, 10 or 15 years, depending on the amount. No funds this year for part of this help: households earning 81% to 120% of area income. Checked Sep 2026. | Official document |
| Fort Lauderdale SHIP — Purchase Assistance | City of Fort Lauderdale | Fort Lauderdale | Deferred loan with no payments, forgiven in full after 15 years. No funds this year for part of this help: households earning 51% to 120% of area income. Checked Sep 2026. | Official document |
| Hollywood SHIP — Purchase Assistance | City of Hollywood | Hollywood | Deferred loan at 0% with no payments. It isn't forgiven: it's repaid in full after 30 years, or earlier if you sell, transfer or rent out the home or stop living in it. Not offered right now: the agency told us it isn't running this program (Sep 2026) | Official document |
| Lauderhill SHIP — Purchase Assistance | City of Lauderhill | Lauderhill | Deferred loan with no payments, forgiven a part each year over a term of 5, 10 or 15 years. The plan's yearly figure for the 15-year term doesn't add up to the whole loan: ask the city before you count on it. | Official document |
| Miramar SHIP — Purchase Assistance | City of Miramar | Miramar | Deferred loan with no payments, forgiven in full at the end of its term of 5, 10 or 15 years, depending on the amount. | Official document |
| Pembroke Pines SHIP — Purchase Assistance | City of Pembroke Pines | Pembroke Pines | Deferred loan with no payments, forgiven in full after 10 years. For seniors and households with special needs, it's forgiven 10% each year. No funds this year for part of this help: households earning up to 50% and 81% to 140% of area income. Checked Sep 2026. | Official document |
| Plantation SHIP — Purchase Assistance | City of Plantation | Plantation | Deferred loan with no payments over 15 years. Nothing is forgiven for the first 5 years; then 10% each year. From age 75, the term is 10 years and it's forgiven 10% a year from the first. | Official document |
| Pompano Beach SHIP — Purchase Assistance | City of Pompano Beach | Pompano Beach | Deferred loan with no payments over 20 years. Nothing is forgiven for the first 15 years; then 20% each year. Paused (Sep 2026) | Official document |
| Sunrise SHIP — Purchase Assistance | City of Sunrise | Sunrise | Deferred loan with no payments, forgiven in equal parts each year over a term of 5, 10 or 15 years, depending on the amount. Not offered right now: the agency told us it isn't running this program (Sep 2026) | Official document |
| Tamarac SHIP — Purchase Assistance | City of Tamarac | Tamarac | Deferred loan with no payments over 15 years. Nothing is forgiven for the first 13 years; from year 14, the plan reduces the principal by 50%. | Official document |
From the state
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Florida Assist (FL Assist) | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage at 0%, with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
| Florida HFA Advantage PLUS | Florida Housing Finance Corporation | All of Florida | Second mortgage with no payments, forgiven 20% on each anniversary of your closing: after 5 years you owe nothing. | Official document |
| Florida Hometown Heroes | Florida Housing Finance Corporation | All of Florida | Deferred second mortgage with no payments. It isn't forgiven: it's repaid when you sell or transfer the home, refinance or pay off your first mortgage, or stop living in the home. | Official document |
Many of these plans run out of money during the year and reopen with the new budget. Where we know a plan's status, we say it and when we checked; where we don't, we don't guess.
Data checked by a person against each official document.
Help at little or no cost, even if you never use us
These organizations exist to help people buy a home. We have no agreement with them and they don't endorse us: they're here because they're useful.
Housing counseling approved by HUD
Independent advice on your budget, your credit and your loan, often at little or no cost to you.
Find a counselor (HUD)A homebuyer course
Many assistance plans ask for one. HUD-approved counseling agencies teach it; ask them when you call.
Find a counselor (CFPB)Your county's housing office
The office that runs your county's assistance can tell you what's open and how to apply.
Find your county's office (Florida Housing)Source for “little or no cost”: Consumer Financial Protection Bureau, Find a housing counselor.
Which ones fit you, and how much?
It depends on your income, your household, the home and the city where you buy. Some plans can be combined and others can't. The app works it out for your household and for the month you may be ready to buy, with each amount checked by a person against the official plan.
