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City of Pembroke Pines SHIP/HOME Program

Pembroke Pines, Florida

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Income limit

120% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 10 years

What is City of Pembroke Pines SHIP/HOME Program?

City of Pembroke Pines SHIP/HOME Program is a forgivable loan for homebuyers in Pembroke Pines, Florida.

  • City of Pembroke Pines provides up to $75,000 in deferred 0% interest loan assistance, forgivable after 10 years of primary residency, for eligible first-time homebuyers.
  • Funding comes from State.

Do you have to pay it back?

City of Pembroke Pines SHIP/HOME Program is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale, Refinance, and No longer primary within 10 years.
  • 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 Pembroke Pines SHIP/HOME 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 completed homebuyer education course

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?

City of Pembroke Pines SHIP/HOME 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.
  • 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 Pembroke Pines SHIP/HOME Program can be used for Single Family, Condo, and Townhouse.

Where does it apply?

City of Pembroke Pines SHIP/HOME Program serves buyers purchasing in Pembroke Pines, Florida.

How do you apply?

Applications for City of Pembroke Pines SHIP/HOME 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.

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City of Pembroke Pines SHIP/HOME Program, explained

A short, free course on City of Pembroke Pines SHIP/HOME Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

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