Miami-Dade Homebuyer Down Payment Assistance Program
Deferred second loan · Income limits
Down payment assistance · Miami-Dade County
Buying a home in Scott Lake, FL
4 county programs and 26 statewide.Scott Lake has no program of its own, 4 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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What’s local to Scott Lake
No program of Scott Lake’s own yet
No program run for Scott Lake alone is listed. A home in Scott Lake can use Miami-Dade County’s programs below, plus the Florida statewide and federal ones.
The closest city that runs its own program is Miami Gardens, about 1 mile away. City programs usually require the home to be inside that city’s limits.
Anywhere in Miami-DadeAnywhere in Miami-Dade County
4 county programs4 county programs a Scott Lake homebuyer can use
6 more programs are for homes in North Miami, Miami Gardens, Hialeah, Homestead, Miami Beach and Miami. See them 6 programs in neighboring cities — for homes inside those cities, not Scott Lake
- North Miami — City of North Miami First-Time Homebuyer Program
- Miami Gardens — City of Miami Gardens Purchase Assistance (SHIP)
- 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)
31 of the 92 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 Scott Lake
16 HUD-approved counseling agencies within 15 miles16 HUD-approved housing counseling agencies within 15 miles
4 programs here ask for a homebuyer class first. Create a free account to see who’s near you and pick one.All 4 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
Scott Lake questions
Does Scott Lake have its own down payment program?
No program run for Scott Lake alone is listed. A home in Scott Lake can use the 4 programs that cover Miami-Dade County and the 26 statewide programs. Each program’s own site has the current terms.
Can I use assistance on a condo in Scott Lake?
3 of Scott Lake’s 4 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. 31 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 Scott Lake?
HUD-approved housing counseling agencies teach homebuyer classes, and 16 agencies are within 15 miles of Scott Lake. 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.