Deferred second loan
City of Miami Gardens Purchase Assistance (SHIP)
First-time homebuyers · Income limits · Single Family · Condo · Townhouse
Down payment assistance · Miami-Dade County
Buying a home in Miami Gardens, FL
1 Miami Gardens program, 4 county programs and 26 statewide.Miami Gardens has 1 program of its own, 4 more across Miami-Dade County, and 26 statewide. Here is what each one offers, and who near you can walk you through it.
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Only for Miami Gardens addresses
Miami Gardens’s own program
Anywhere in Miami-DadeAnywhere in Miami-Dade County
4 county programs4 county programs a Miami Gardens homebuyer can also use
5 more programs are for homes in North Miami, Hialeah, Homestead, Miami Beach and Miami. See them 5 programs in neighboring cities — for homes inside those cities, not Miami Gardens
- North Miami — City of North Miami First-Time Homebuyer Program
- 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
- Miami — City of Miami SHIP Purchase Assistance
Income limits in Miami-Dade County
How programs here set their income limits
$89,800
County area median income, 4 people (HUD)HUD area median income, Miami-Dade County, 4-person household (2026)
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 Gardens
16 HUD-approved counseling agencies within 15 miles16 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 Gardens questions
Does Miami Gardens have its own down payment program?
Yes, one: City of Miami Gardens Purchase Assistance (SHIP), a deferred second loan for first-time homebuyers (income limits). It is for homes inside Miami Gardens.
Can I use assistance on a condo in Miami Gardens?
4 of Miami Gardens’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 Gardens?
HUD-approved housing counseling agencies teach homebuyer classes, and 16 agencies are within 15 miles of Miami Gardens. Create a free account and take the 90-second match to see the ones near you.
Nearby in Miami-Dade
Sources
Sources: agency sites (June–July 2026), 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). Income: HUD FY2026 income limits. Counselors: HUD list of approved housing counseling agencies. Hey Prescott is not a lender.