Florida help / Miami-Dade
Down payment assistance in Miami-Dade County
In Miami-Dade, a family can find help from the county, from several cities and from the state. These are the plans we follow for you, each with the link to its official document.
plans we follow in Miami-Dade
levels: county, city and state
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| SHIP Homeownership: Down Payment Assistance | Miami-Dade County | Whole county | Deferred loan at 0%. Repaid when you sell, transfer or at the end of the term; not forgiven. | Official document |
| Homeownership Assistance Program (HAP) | Miami-Dade Economic Advocacy Trust | Whole county | Deferred loan, forgiven after 20 years living in the home. | Official document |
| HFA Mortgage with Down Payment Assistance | Housing Finance Authority of Miami-Dade County | Whole county | Deferred second loan that comes with the Authority's mortgage. | Official document |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| SHIP Purchase Assistance | City of Miami | City of Miami | Deferred loan, forgiven after 30 years. | Official document |
| District 5 Expanded First-Time Homebuyer Program | City of Miami | District 5, City of Miami | Deferred loan, forgiven after 30 years. | Official document |
| Little Haiti Home Buyer Assistance Program | Little Haiti Revitalization Trust | Little Haiti, City of Miami | Deferred loan, forgiven after 20 years living in the home. | Official document |
| SHIP Purchase Assistance | City of Hialeah | Hialeah | Deferred loan, forgiven after 15 years. | Official document |
| SHIP Purchase Assistance | City of Miami Gardens | Miami Gardens | Deferred loan, 20% forgiven each year. | Official document |
| SHIP Purchase Assistance | City of Miami Beach | Miami Beach | Deferred loan, forgiven after 15 years. | Official document |
| SHIP Purchase Assistance | City of North Miami | North Miami | Deferred loan, forgiven little by little over 7 years. | Official document |
| Down Payment Assistance Program (HOME) | City of Homestead | Homestead | Deferred loan, forgiven after 10 years if you still live in the home. | 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 loan at 0%; not forgiven. | Official document |
| Florida HFA Advantage PLUS | Florida Housing Finance Corporation | All of Florida | Deferred second loan, 20% forgiven each year over 5 years. | Official document |
| Florida Hometown Heroes | Florida Housing Finance Corporation | All of Florida | Deferred second loan at 0%; not forgiven. | 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)Miami-Dade's housing office
Miami-Dade Housing and Community Development runs the county's assistance programs.
Miami-Dade Housing and Community DevelopmentSource 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'll be ready to buy, with each amount checked by a person against the official plan.
