Miami-Dade Homebuyer Down Payment Assistance Program
Deferred second loan · Income limit 80% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Down payment assistance · Florida
Buying a home in Miami-Dade County, FL
4 county-wide programs, 6 cities with their own, plus 22 statewide and 62 nationwide.Miami-Dade has 4 programs that cover the whole county and 6 cities with a program of their own. On top of those, 22 statewide and 62 nationwide programs are open here. Start with your city or ZIP to see which apply to the home you want.
Free · No credit pull · No SSN
Anywhere in Miami-DadeAnywhere in Miami-Dade County
4 programs for every Miami-Dade address4 programs that cover every Miami-Dade address
All 4 are for first-time homebuyers and ask for a homebuyer class.These are run for the whole county, so a home in Miami, Hialeah or Miami Gardens can use them. All 4 are for first-time homebuyers and ask for a homebuyer class.
Miami-Dade Homeownership Assistance Program (HAP)
Deferred second loan · Income limit 140% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
Miami-Dade Housing Finance Authority Mortgage Program
Deferred second loan · Income limit 115% of AMI
Single Family, Condo, Townhouse
See details Jul 2026
South Florida Community Land Trust
Assistance grant · Income limit 120% of AMI
Single Family, Townhouse
See details Jul 2026
AMI is HUD’s area median income for Miami-Dade, adjusted for household size. Each program publishes its own dollar limits.
Only inside city limits
6 cities with their own program6 Miami-Dade cities with their own program
For a home inside that city, on top of the county-wide 4.A city program is for a home inside that city. Buying there? It sits on top of the 4 county-wide programs above.
HialeahCity page City of Hialeah Down Payment AssistanceHomesteadCity page City of Homestead First-Time Homebuyer ProgramMiamiCity page City of Miami SHIP Purchase AssistanceMiami BeachCity page City of Miami Beach First-Time Homebuyer ProgramMiami GardensCity page City of Miami Gardens Purchase Assistance (SHIP)North MiamiCity page City of North Miami First-Time Homebuyer Program
The Miami-Dade marketThe Miami-Dade housing market
Kinds of homes hereWhat kinds of homes are here, and what the programs accept
Kinds of homes in Miami-Dade
- 38.8% single-familysingle-family
- 9.9% townhousetownhouse
- 5.2% 2–4 units2–4 units
- 44.7% 5+ unitscondo & apartment buildings (5+ units)
- 1.4% mobile & othermobile home & other
Condos count. 3 of the 4 county-wide programs and all 6 city programs list condos as eligible. South Florida Community Land Trust lists single family and townhouse.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Miami-Dade’s homes were built
pre-19401970s2020+
49.6%
of Miami-Dade 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.
$89,800
HUD area median income, 4 people (FY2026)HUD area median income, Miami-Dade County, 4-person household (FY2026)
$71,753
Median household income (ACS 2024 5-year)Median household income in Miami-Dade (Census ACS 2024 5-year)
52.2%
of occupied homes are owner-occupied (Florida: 67.6%)
The two income figures measure different things. HUD’s area median income is the one programs use. 33 of the 94 programs here set their income limit as a share of Miami-Dade County’s area median income, adjusted for household size. See the published limits for Miami-Dade County
Free help in Miami-DadeFree help in Miami-Dade
11 HUD-approved counseling agencies with an office in the county11 HUD-approved housing counseling agencies with an office in Miami-Dade County
10 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 10 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
Free account → 90-second match → your counselors · Sign in
Counted from HUD’s list of approved agencies: active offices whose ZIP code is in Miami-Dade County.
80 cities and placesA to Z
All cities in Miami-Dade CountyAll 80 cities and places in Miami-Dade County
has a program of its own
- Allapattah
- Andover
- Aventura
- Bal Harbour
- Bay Harbor Islands
- Biscayne Park
- Brownsville
- Bunche Park
- Carol City
- Coconut Grove
- Coral Gables
- Coral Terrace
- Country Club
- Country Walk
- Cutler
- Cutler Bay
- Cutler Ridge
- Doral
- East Perrine
- El Portal
- Flagami
- Florida City
- Fountainebleau
- Gladeview
- Glenvar Heights
- Golden Glades
- Goulds
- Hialeah
- Hialeah Gardens
- Homestead
- Isle of Normandy
- Ives Estates
- Kendale Lakes
- Kendall
- Kendall West
- Key Biscayne
- Lake Lucerne
- Lakes by the Bay
- Leisure City
- Miami
- Miami Beach
- Miami Gardens
- Miami Lakes
- Miami Shores
- Miami Springs
- Naranja
- Norland
- North Bay Village
- North Miami
- North Miami Beach
- Ojus
- Olympia Heights
- Opa-locka
- Palm Springs North
- Palmetto Bay
- Palmetto Estates
- Pinecrest
- Pinewood
- Princeton
- Richmond Heights
- Richmond West
- Scott Lake
- South Miami
- South Miami Heights
- Sunny Isles Beach
- Sunset
- Surfside
- Sweetwater
- Tamiami
- The Crossings
- The Hammocks
- Three Lakes
- University Park
- Virginia Gardens
- West Little River
- West Miami
- West Perrine
- Westchester
- Westview
- Westwood Lake
Miami-Dade questions
Can I use a county program anywhere in Miami-Dade?
The 4 county-wide programs cover homes anywhere in the county. City programs, like Hialeah’s and Homestead’s, are only for homes inside that city’s limits. Each agency sets its own rules, so confirm on the program’s official site.
Can I combine a county program with a city program?
Sometimes. Combining ("stacking") programs is set by each administering agency, and some do not allow a second program on the same home. Each program’s page links to the agency that can say.
What is the area median income in Miami-Dade County?
HUD publishes it once a year; the 2026 four-person figure is shown above. Programs set their limits as a share of it, adjusted for household size, and the published limits page lists each one.
Do Miami-Dade programs accept condos?
3 of the 4 county-wide programs and all 6 city programs list condos as eligible. South Florida Community Land Trust lists single family and townhouse. The agency confirms it for the home you choose.
Where can I take a homebuyer class in Miami-Dade?
HUD-approved housing counseling agencies teach homebuyer classes, and 11 agencies have an office in Miami-Dade County. Create a free account and take the 90-second match to see the ones near you.
Keep exploring
Sources
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), tables B01003, B25077, B25003, B25024, B25034, B25035, B19013. Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.