Deferred second loan
City of Melbourne SHIP Down Payment Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Brevard County
Buying a home in Melbourne, FL
1 Melbourne program, 2 county programs and 26 statewide.Melbourne has 1 program of its own, 2 more across Brevard 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.
Find my programs Free · No credit pull · 90 seconds
Only for Melbourne addresses
Melbourne’s own program
Anywhere in BrevardAnywhere in Brevard County
2 county programs2 county programs a Melbourne homebuyer can also use
3 more programs are for homes in Cocoa, Palm Bay and Titusville. See them 3 programs in neighboring cities — for homes inside those cities, not Melbourne
- Cocoa — City of Cocoa Purchase Assistance
- Palm Bay — City of Palm Bay SHIP Purchase Assistance
- Titusville — City of Titusville First-Time Homebuyer Program
The Melbourne marketThe Melbourne housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Melbourne
- 57.2% single-familysingle-family
- 5.9% townhousetownhouse
- 6.8% 2–4 units2–4 units
- 25.9% 5+ unitscondo & apartment buildings (5+ units)
- 4.3% mobile & othermobile home & other
Condos count. 2 of Melbourne’s 3 local and county programs accept condos. Habitat for Humanity of Brevard County lists single family.
U.S. Census Bureau, American Community Survey 2024 5-year (2020–2024). Table B25024.
When Melbourne’s homes were built
pre-19401970s2020+
39%
of Melbourne 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.
$97,000
County area median income, 4 people (HUD)HUD area median income, Brevard County, 4-person household (2026)
$66,991
Melbourne median household incomeMedian household income in Melbourne (Census, 2024)
30 of the 91 programs here set their income limit as a share of Brevard County’s area median income, adjusted for household size. See the published limits for Brevard County
Free help nearbyFree help near Melbourne
1 HUD-approved counseling agency within 15 miles1 HUD-approved housing counseling agency within 15 miles
3 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 3 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
Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Melbourne questions
Does Melbourne have its own down payment program?
Yes, one: City of Melbourne SHIP Down Payment Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Melbourne.
Can I use assistance on a condo in Melbourne?
2 of Melbourne’s 3 local and county programs accept condos. Habitat for Humanity of Brevard 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 Brevard County?
Each program sets its own. 30 of the programs here set theirs as a share of HUD’s area median income for Brevard 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 Melbourne?
HUD-approved housing counseling agencies teach homebuyer classes, and 1 agency is within 15 miles of Melbourne. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
32901 · 32902 · 32904 · 32912 · 32919 · 32934 · 32935 · 32936 · 32940 · 32941
Nearby in Brevard
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.