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Broward County Homebuyer Purchase Assistance (HPA) Program

Broward County, Florida

Last verified
See what you qualify forOfficial program site →
Income limit

120% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

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 buyers who will live in the home as their primary residence.

The program requires

  • 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

The program excludes

  • Households above 120% of area median income

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

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 buyers 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.

  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 buyer can take it to a lender or housing counselor.

Learn this program

Short reads on how it works, in plain language. Free, no sign-up needed to read.

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Broward County Homebuyer Purchase Assistance (HPA) Program, explained

A short, free course on Broward County Homebuyer Purchase Assistance (HPA) Program: what it is, who it is for, when it is repaid, where it applies and how to apply. Based on program data from June 2026. About ten minutes.

5 modules · About 10 minutes

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