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Broward County Homebuyer Purchase Assistance (HPA) Program

Broward County Homebuyer Purchase Assistance (HPA) Program is a deferred second loan for homebuyers in Broward County, Florida.

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The program asks for

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course
  • Citizenship or immigration status: U.S. Citizen or Permanent Resident
  • A home in Broward County

It doesn’t cover

  • Households above 120% of area median income
  • Homes outside Broward County

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

Income limit

120% of Broward County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$102,500
Area median income, 4-person household (HUD, 2026)
Income limits in Florida

Where it applies

Broward County’s homes

  • 40% single-family
  • 8.6% townhouse
  • 7.2% 2–4 units
  • 41.4% 5+ units
  • 2.7% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$414,600

Broward County median home value

50%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Broward County

How to apply

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Free course · 10 minBroward County Homebuyer Purchase Assistance (HPA) Program, explained

Questions about this program

What is Broward County Homebuyer Purchase Assistance (HPA) Program?

Broward County Homebuyer Purchase Assistance (HPA) Program is a deferred second loan for homebuyers in Broward County, Florida. Broward County provides up to $80,000 in deferred 0% interest second mortgage assistance for down payment and closing costs for eligible first-time homebuyers. Forgiven after 15-year compliance period. Funding comes from Federal.

Do you have to pay it back?

Broward County Homebuyer Purchase Assistance (HPA) Program is deferred, so no payments are due until the home is sold, refinanced, or the first mortgage is paid off. Repayment is triggered by Sale, Refinance, and No longer primary residence within compliance period. The assistance is recorded in 2nd Lien position. Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

Broward County Homebuyer Purchase Assistance (HPA) Program is open to first-time homebuyers and homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 620. A homebuyer education course is required. Citizenship or immigration status: U.S. Citizen or Permanent Resident.

What are the income limits?

Broward County Homebuyer Purchase Assistance (HPA) Program limits household income to 120% of the area median income, which varies by county and household size. Income up to 120% AMI for Broward County. Income limits vary by household size. Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

Broward County Homebuyer Purchase Assistance (HPA) Program can be used for Single Family, Condo, and Townhouse.

Where does it apply?

Broward County Homebuyer Purchase Assistance (HPA) Program serves homebuyers purchasing in Broward County, Florida.

How do you apply?

Applications for Broward County Homebuyer Purchase Assistance (HPA) Program go through the administering agency, which publishes the current terms and the application steps on its own site. Hey Prescott is not a lender and does not accept applications; this page describes the program so a homebuyer can take it to a lender or housing counselor.

Also for Broward County homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 86 programs for Broward County

Program terms are set by the administering agency and can change; confirm on the official site before you apply.