Deferred second loan
City of Boca Raton SHIP Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Palm Beach County
Buying a home in Boca Raton, FL
1 Boca Raton program, 5 county programs and 26 statewide.Boca Raton has 1 program of its own, 5 more across Palm Beach County, and 26 statewide. Here is what each one offers, what the local market looks like, and who near you can walk you through it.
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Only for Boca Raton addresses
Boca Raton’s own program
Anywhere in Palm BeachAnywhere in Palm Beach County
5 county programs5 county programs a Boca Raton homebuyer can also use
8 more programs are for homes in Jupiter, Boynton Beach, Delray Beach, Lake Worth Beach, Wellington, West Palm Beach and Riviera Beach. See them 8 programs in neighboring cities — for homes inside those cities, not Boca Raton
- Jupiter — Town of Jupiter Down Payment Assistance
- Boynton Beach — City of Boynton Beach SHIP Purchase Assistance
- Delray Beach — City of Delray Beach First-Time Homeownership Program (SHIP)
- Lake Worth Beach — City of Lake Worth Beach SHIP Purchase Assistance
- Wellington — City of Wellington SHIP Purchase Assistance
- West Palm Beach — City of West Palm Beach First-Time Homebuyers Program
- Delray Beach — Delray Beach Community Land Trust
- Riviera Beach — Riviera Beach Community Development Corporation Renaissance Program
The Boca Raton marketThe Boca Raton housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Boca Raton
- 41.7% single-familysingle-family
- 7.5% townhousetownhouse
- 3.4% 2–4 units2–4 units
- 47.1% 5+ unitscondo & apartment buildings (5+ units)
- 0.3% mobile & othermobile home & other
Condos count. 4 of Boca Raton’s 6 local and county programs accept condos. Community Land Trust of Palm Beach County & Treasure Coast lists single family and townhouse. Habitat for Humanity of Palm Beach County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Boca Raton’s homes were built
pre-19401970s2020+
43.6%
of Boca Raton homes were built before 1980. Pre-1978 homes come with a federal lead-paint disclosure.of homes were built before 1980. A home built before 1978 comes with a federal lead-paint disclosure, and some programs require an inspection.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25034.
$107,600
County area median income, 4 people (HUD)HUD area median income, Palm Beach County, 4-person household (2026)
$106,273
Boca Raton median household incomeMedian household income in Boca Raton (Census, 2024)
33 of the 94 programs here set their income limit as a share of Palm Beach County’s area median income, adjusted for household size. See the published limits for Palm Beach County
Free help nearbyFree help near Boca Raton
7 HUD-approved counseling agencies within 15 miles7 HUD-approved housing counseling agencies within 15 miles
6 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 6 local programs here ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through your options. Create a free account to see who’s near you and pick one.
Find my counselor
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Boca Raton questions
Does Boca Raton have its own down payment program?
Yes, one: City of Boca Raton SHIP Purchase Assistance, a deferred second loan for first-time homebuyers (forgiven over 20 yrs, income limits). It is for homes inside Boca Raton.
Can I use assistance on a condo in Boca Raton?
4 of Boca Raton’s 6 local and county programs accept condos. Community Land Trust of Palm Beach County & Treasure Coast lists single family and townhouse. Habitat for Humanity of Palm Beach County lists single family. Each program’s page lists the kinds of homes it accepts, and the agency confirms it for the home you choose.
What is the income limit in Palm Beach County?
Each program sets its own. 33 of the programs here set theirs as a share of HUD’s area median income for Palm Beach County, adjusted for household size. HUD publishes the median each year; the 2026 figure is shown above and on the published limits page.
Where can I take a homebuyer class near Boca Raton?
HUD-approved housing counseling agencies teach homebuyer classes, and 7 agencies are within 15 miles of Boca Raton. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33427 · 33428 · 33429 · 33431 · 33432 · 33433 · 33434 · 33464 · 33481 · 33486 · 33487 · 33488 · 33496 · 33497 · 33498 · 33499
Nearby in Palm Beach
Sources
Sources: agency sites (June–July 2026), Census ACS 2024 5-year, HUD FY2026, HUD counseling list. Hey Prescott is not a lender.Programs: Hey Prescott catalog of 2,000+ programs, each verified with its agency (June–July 2026). Market: U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.