Deferred second loan
City of Miami SHIP Purchase Assistance
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Miami-Dade County
Buying a home in Miami, FL
1 Miami program, 4 county programs and 26 statewide.Miami has 1 program of its own, 4 more across Miami-Dade 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 Miami addresses
Miami’s own program
Anywhere in Miami-DadeAnywhere in Miami-Dade County
4 county programs4 county programs a Miami homebuyer can also use
5 more programs are for homes in North Miami, Miami Gardens, Hialeah, Homestead and Miami Beach. See them 5 programs in neighboring cities — for homes inside those cities, not Miami
- North Miami — City of North Miami First-Time Homebuyer Program
- Miami Gardens — City of Miami Gardens Purchase Assistance (SHIP)
- Hialeah — City of Hialeah Down Payment Assistance
- Homestead — City of Homestead First-Time Homebuyer Program
- Miami Beach — City of Miami Beach First-Time Homebuyer Program
The Miami marketThe Miami housing market
Kinds of homes hereWhat’s for sale here, and what the programs accept
Kinds of homes in Miami
- 22.4% single-familysingle-family
- 8.9% townhousetownhouse
- 7.2% 2–4 units2–4 units
- 60.8% 5+ unitscondo & apartment buildings (5+ units)
- 0.6% mobile & othermobile home & other
Condos count. 4 of Miami’s 5 local and county programs accept condos. 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’s homes were built
pre-19401970s2020+
50.8%
of Miami 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
County area median income, 4 people (HUD)HUD area median income, Miami-Dade County, 4-person household (2026)
$62,462
Miami median household incomeMedian household income in Miami (Census, 2024)
32 of the 93 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 nearbyFree help near Miami
8 HUD-approved counseling agencies within 15 miles8 HUD-approved housing counseling agencies within 15 miles
5 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 5 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.
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Across Florida and nationwide
88 statewide & federal programs26 statewide programs, plus federal options
Miami questions
Does Miami have its own down payment program?
Yes, one: City of Miami SHIP Purchase Assistance, a deferred second loan for first-time homebuyers (income limits). It is for homes inside Miami.
Can I use assistance on a condo in Miami?
4 of Miami’s 5 local and county programs accept condos. South Florida Community Land Trust lists single family and townhouse. 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 Miami-Dade County?
Each program sets its own. 32 of the programs here set theirs as a share of HUD’s area median income for Miami-Dade 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 Miami?
HUD-approved housing counseling agencies teach homebuyer classes, and 8 agencies are within 15 miles of Miami. Create a free account and take the 90-second match to see the ones near you.
ZIP codes
33101 · 33102 · 33107 · 33110 · 33111 · 33112 · 33114 · 33116 · 33121 · 33122 · 33124 · 33125 · 33126 · 33127 · 33128 · 33129 · 33130 · 33131 · 33132 · 33133 · 33134 · 33135 · 33136 · 33137 · 33138 · 33142 · 33143 · 33144 · 33145 · 33146 · 33147 · 33148 · 33150 · 33151 · 33152 · 33153 · 33154 · 33155 · 33156 · 33157 · 33158 · 33159 · 33161 · 33162 · 33163 · 33164 · 33165 · 33166 · 33167 · 33168 · 33169 · 33170 · 33172 · 33173 · 33174 · 33175 · 33176 · 33177 · 33178 · 33179 · 33180 · 33181 · 33182 · 33183 · 33184 · 33185 · 33186 · 33187 · 33188 · 33189 · 33190 · 33192 · 33193 · 33194 · 33195 · 33196 · 33197 · 33199 · 33231 · 33233 · 33234 · 33238 · 33242 · 33243 · 33245 · 33247 · 33255 · 33256 · 33257 · 33261 · 33265 · 33266 · 33269 · 33280 · 33283 · 33296 · 33299
Nearby in Miami-Dade
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.