Florida help / Palm Beach
Down payment assistance in Palm Beach County
These are the plans we have checked in Palm Beach 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.
plans we have checked in Palm Beach
levels: county, city, state
last checked by a person
From the county
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Palm Beach County SHIP — Purchase Assistance | Palm Beach County | Whole county | Deferred loan with no payments, forgiven at the end of 30 years. | Official document |
| Housing Finance Authority of Lee County, Florida — Own a Home Opportunity Program | Housing Finance Authority of Lee County, Florida | Counties: Charlotte, Collier, DeSoto, Lee, Palm Beach, Sarasota | Deferred second loan with no payments. It isn't forgiven: it's repaid in full when you sell, refinance, transfer or rent out the home, or after 30 years. | Official document |
| Palm Beach County — Workforce Housing Program (WHP) | Palm Beach County Department of Housing and Economic Development | Whole county | Deferred second loan at 0%, with no payments, only for Workforce Housing Program homes from approved developers, sold at the program's set price. It's repaid in full if, within 15 years, you sell or transfer the home, rent it out, lose its homestead exemption or stop living in it. | Official document Program page |
From your city
| Plan | Who runs it | Where | Kind of help | Official source |
|---|---|---|---|---|
| Boca Raton SHIP — Purchase Assistance | City of Boca Raton | City of Boca Raton | Deferred loan with no payments, forgiven in full after 20 years. No funds this year for part of this help: households earning 81% to 140% of area income. Checked Sep 2026. | Official document |
| Boynton Beach SHIP — Purchase Assistance | City of Boynton Beach | City of Boynton Beach | Deferred loan with no payments, forgiven in full after 15 years. No funds this year for part of this help: households earning up to 50% of area income. Checked Sep 2026. | Official document |
| Delray Beach SHIP — Purchase Assistance | City of Delray Beach | City of Delray Beach | Deferred loan with no payments, forgiven a part each year over a term that depends on the amount. 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 |
| West Palm Beach SHIP — Purchase Assistance | City of West Palm Beach | City of West Palm 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 up to 50% and 81% to 120% of area income. Checked Sep 2026. | Official document |
| City of Westlake — Housing Assistance Purchase Program Yearly (HAPPY) | City of Westlake | City of Westlake | Deferred loan with no payments while it's your main home, forgiven 5% the first year and 10% each year after: after 10 years you owe nothing. | 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 |
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'll be ready to buy, with each amount checked by a person against the official plan.
