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City of Miami Gardens Purchase Assistance (SHIP)

Miami Gardens, Florida

Last verified
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Assistance

$20,000

The maximum the program publishes — not an offer

Income limit

80% AMI

Of area median income; varies by county and household size

Repayment

Deferred

No payments until the home is sold or refinanced

What is City of Miami Gardens Purchase Assistance (SHIP)?

City of Miami Gardens Purchase Assistance (SHIP) is a deferred second loan for homebuyers in Miami Gardens, Florida.

  • City of Miami Gardens SHIP-funded deferred loan program providing up to $20,000 for down payment and closing cost assistance for eligible first-time homebuyers within city limits.
  • Funding comes from State.

How much assistance does it provide?

City of Miami Gardens Purchase Assistance (SHIP) offers up to $20,000 in assistance.

  • Amounts are the program's published maximums, not an offer — the administering agency determines any individual award.

Do you have to pay it back?

City of Miami Gardens Purchase Assistance (SHIP) 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 Transfer of Title.
  • 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?

City of Miami Gardens Purchase Assistance (SHIP) 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 completed homebuyer education course

The program excludes

  • Households above 80% 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?

City of Miami Gardens Purchase Assistance (SHIP) limits household income to 80% of the area median income, which varies by county and household size.

  • Income at or below 80% AMI for Miami-Dade County.
  • 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?

City of Miami Gardens Purchase Assistance (SHIP) can be used for Single Family, Condo, and Townhouse.

Where does it apply?

City of Miami Gardens Purchase Assistance (SHIP) serves buyers purchasing in Miami Gardens, Florida.

How do you apply?

Applications for City of Miami Gardens Purchase Assistance (SHIP) 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.

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City of Miami Gardens Purchase Assistance (SHIP), explained

A short, free course on City of Miami Gardens Purchase Assistance (SHIP): 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.

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