Miami-Dade County Homebuyer Down Payment Assistance Program
$35,000
About the Program
Qualifying homebuyers can receive an interest-free loan of up to $35,000 dollars to cover the down payment for their first home. Individuals earning less than $95,620; couples making less than $109,200; three person households earning less than $122,920; and households of four making less than $136,500 may be eligible for homebuyer down payment assistance. The maximum award is $35,000. For additional information, please contact Mr. Shawn Topps at (786) 469-2209 or at stopps@miamidade.gov.
Down Payment Assistance Income Eligibility Chart
View the Down Payment Assistance Program income eligibility chart.
Requirements for Assistance Program
A first-time homebuyer is an individual who meets any of the following criteria: an individual or spouse who has had no ownership in a principal residence during the three year period ending on the date of purchase of the property; a single parent who has owned with a former spouse while married; an individual who has owned a principal residence not permanently affixed to a permanent foundation in accordance with applicable regulations; an individual who has owned a property that was not in compliance with state, local or model building codes and which cannot be brought into compliance for less than the cost of constructing a permanent structure.
The program also requires potential homebuyers to receive homebuyer counseling from a HUD certified agency and to complete approved homebuyer education training. The education training will cover such topics as: choosing a realtor, selecting a home, qualifying for mortgage financing to include PHCD homeownership programs, a comprehensive home inspection, entering a purchase/sale contract, maintaining a home, handling credit affairs and other skills needed for homeownership.
City of Miami First-Time Homebuyer Program
Eligible Properties:
- Single Family Residences; townhomes, condominiums
- Property must be located in the City of Miami; You can search property addresses by using the County Property Appraiser’s website at www.miamidade.gov/Apps/PA/propertysearch. If your property is in the City of Miami, the folio number will begin with "01".
- Property must meet NSPIRE Standards as per HUD.
Eligible Buyers:
- Must not have owned a home in the past 3 years;
- Household income less than or equal to 80% of the area median income adjusted for family size. View income chart.
- Must be able to afford a monthly payment based on income and debt.
- Must contribute at least $500 of personal funds towards down payment / closing costs.
Maximum Sales Price of the Home:
- Existing homes $494,000; New construction homes: $494,000 (Effective December 1, 2025)
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