Which down payment programs are open today in Miami-Dade and Broward
Each program, with what its official page says and the day we checked it.
Per their page, today 4 programs have money and 15 more take applications.
We cannot confirm 18 today; 8 are paused, on a waitlist or closed.
4 questions and you see your list. Free.
Latest check: November 5. Each program has its own day.
Programs, by what you can do
Ask today 4
They take applications and, per their page, there is money.
How it works
It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years (10 if you get less than $40,000), you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
What its official page says
The county list (version of October 2, 2026) shows Pembroke Pines with up to $75,000 and the mark “limited funds”; money is given out first come, first served.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- Its list marks it “limited funds”.seen November 5
Still to confirm
- You have to make a down payment of at least 3% of the price with your own money.
- Because this money comes from the federal government, the maximum home price may be lower than in the rest of the county ($636,806 or $679,324); neither the agreement nor the flyer gives the figure, so ask your lender before you start looking.
- You cannot add another person to the loan unless they will live in the home with you.
Given by: Broward County (Broward County Housing and Urban Planning Division). Official page · Checked November 5
How it works
It is a loan with no interest and you pay nothing for 10 years. At the end you do not have to pay it back if you still own the home and live in it; if you sell it earlier, hand it over to someone else or stop living in it, you pay it back.
What its official page says
The city page says the program is open, and its administrator says funds are available today; money is never set aside before the city approves your application.
- Are they taking applications?
- Yes, per its pageseen October 12
- Is there money?
- Yes, per its pageseen October 12
Still to confirm
- It only works for homes that are already built, not for pre-construction homes (the ones still being built).
- You have to take an 8-hour homebuyer course approved by the federal government.
- You have to put in at least 1% of the price from your own pocket.
Given by: the city (City of Pembroke Pines, with Community Redevelopment Associates of Florida, CRA Florida). Official page · Checked October 14
How it works
It is for people who work full time in Florida in health care, schools, police, fire departments, courts or child care, and for military members and veterans. It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
What its official page says
The program administrator sheet (eHousingPlus) dated November 2, 2026 says more than $20 million is available in this assistance ("Over $20 Million Available in Hometown Heroes DPA"). The rates for reservations carry the date of each business day, and there is no pause notice.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- Its notice to banks says more than $20 million is available.seen November 5
Still to confirm
- That you or your co-buyer work full time in Florida in health care, schools, law enforcement, fire, courts or child care, or are military or a veteran with a full-time job.
- Your credit score has to be 640 or higher.
- You have to take a homebuyer course approved by the federal government before you sign for the home.
Given by: the State of Florida (Florida Housing Finance Corporation). Official page · Checked November 5
How it works
It is a second loan for the down payment: depending on the case, you pay it back or it is forgiven. It works mostly with the loan that asks for only 3.5% down (FHA).
What its official page says
Chenoa Fund’s page says the program is funded all year and does not run out of money; you apply through an approved lender.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- Yes: the agency itself says it has funds all year.seen November 5
Still to confirm
- Your credit score has to be 600 or higher.
- If your credit score is below 640, you have to take a homebuyer course.
- Your lender has to be approved by Chenoa Fund.
Given by: a lending agency (CBC Mortgage Agency). Official page · Checked November 5
Taking applications 15
Their page says they take applications, but not whether there is still money. Ask before you count on it.
How it works
It is a loan with no interest and you pay nothing each month. After 30 years you do not have to pay it back.
What its official page says
Open until the money runs out; whoever is ready first is served first.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- Never having owned a home: not owning one in the last 3 years is not enough.
- Living in the City of Miami today. The only exceptions are households with a current city or county police officer, firefighter or emergency medical worker, and city residents transitioning out of homelessness or who are victims of domestic violence.
- If someone in the household is a current police officer, firefighter or emergency medical worker, or active or retired military, the income limit is higher.
Given by: the city (City of Miami, Department of Housing & Community Development). Official page · Checked October 19
How it works
It is a loan with no interest and you pay nothing each month. After 30 years you do not have to pay it back, as long as you live in that home.
What its official page says
The city keeps taking applications; it does not say whether money is left.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- The city page does not say how much you get, and the city plan and its brochure give two different caps; count on the lower one and ask the city which one is yours.
- The city page gives the maximum price as $494,000 in one step and $451,000 in another; count on the lower one.
- You have to put in at least $500 from your own pocket.
Given by: the city (City of Miami, Department of Housing & Community Development). Official page · Checked October 14
How it works
It is a loan with no interest. After 10 years you do not have to pay it back (after 5 years, for the $10,000 one). If you sell before 10 years, you pay back 100% in the first 5 and then 80%, 60%, 40% and 20%.
What its official page says
The agency says applications for 2026-2027 are open, through June 30, 2027 and while funds last; you apply by appointment.
- Are they taking applications?
- Yes, per its pageseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- The home has to be inside the area the agency wants to improve; it does not work across the whole city.
- Your credit score has to be 640 or higher.
- You have to be a citizen or a permanent resident and have lived in Florida for 12 months.
Given by: the city (Hallandale Beach Community Redevelopment Agency). Official page · Checked October 12
How it works
It is a second loan on the home, on top of your bank loan: it has no interest and you pay it at the end. If the money is federal, you do not have to pay it back when the term ends; if it is from the state, the debt goes down 10% each year for 10 years.
What its official page says
The city page says the purchase assistance program is open (updated August 25, 2026), first come: first to meet the requirements, first to close, first to be served.
- Are they taking applications?
- Yes, per its pageseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- The maximum home price is $451,000 with federal government funds, and goes up to $679,324 with state funds. Count on the lower one until the city tells you otherwise.
- The city housing plan asks that you be a first-time buyer and not own any other property.
- How much you can have saved after closing: the program page says $4,000 and the requirements page says $45,000. Count on $4,000 until the city confirms.
Given by: the city (City of Lauderhill, Housing Grants). Official page · Checked October 12
How it works
It is a second loan on the home, on top of your bank loan: it has no interest and you pay it at the end. If you meet the conditions, it becomes a gift and you do not pay it back.
What its official page says
The city page says you can now apply online; money is limited and given out first come, first served. For now it only takes households that earn up to 80% of what a typical family in the county earns.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- The city page says up to $85,000 and the city housing plan (2025 to 2028) says up to $70,000. Count on $70,000 until the city confirms.
- The city does not publish the maximum price of the home.
- When you apply you need your lender’s letter (pre-approval) and the signed purchase contract.
Given by: the city (City of Deerfield Beach, Community Services – Housing and Grants Division). Official page · Checked October 28
How it works
It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years, you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
What its official page says
The county list (version of October 2, 2026) shows Hollywood with up to $50,000 and not marked “no funds”; money is given out first come, first served. It does not say how much is left.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- We do not knowno check date
Still to confirm
- Your credit: set by the lender.
- You cannot have owned a home in the last 3 years (there are exceptions for domestic violence or divorce).
- You have to take a homebuyer course from an agency approved by the federal government; the certificate has to be 12 months old or less.
Given by: Broward County (Broward County Housing and Urban Planning Division). Official page · Checked November 5
How it works
It is a loan with no interest and you pay nothing each month. It is forgiven over a period of up to 15 years.
What its official page says
Open until the money runs out, first come, first served.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- One city page puts the maximum price at $370,000 and another document puts it at $415,000. Count on the lower one until the city confirms which one applies.
- The city sets the exact amount based on what you can afford.
- You have to take an 8-hour homebuyer workshop approved by the federal government.
Given by: the city (City of North Miami, Housing and Social Services Department). Official page · Checked October 17
How it works
It is a loan with no interest and you pay nothing each month. Each year a part of it is forgiven, for 7 years.
What its official page says
Open until the money runs out, first come, first served.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- You have to take an 8-hour homebuyer workshop approved by the federal government.
- You have to be able to cover 3% of the price.
- The income limit you see is the one in the city’s papers for 2026 to 2029, which goes up to moderate income; a 2024 document allowed more. Count on the lower one; the city confirms which applies.
Given by: the city (City of North Miami, Housing and Social Services Department). Official page · Checked October 17
How it works
It is a loan with no interest and you pay nothing each month: you pay it back when you sell the home, when you replace your loan with a new one, or after 30 years.
What the office told us
The office replied by email on October 23, 2026 that the program is accepting applications and that funds are available.
- Are they taking applications?
- Yes, the office confirmed it to usseen October 23
- Is there money?
- Yes, the office confirmed it to usseen October 23
Still to confirm
- The limit you see is from the 2026 table. The county replied by email on October 23, 2026 that this table applies, although its page still shows the 2025 one: your lender confirms the limit.
- The county page does not say how much the home can cost, but its guide mentions a $451,000 cap. Count on that cap until your lender tells you otherwise.
- You have to put in at least 1% of the price from your own pocket.
Given by: Miami-Dade County (Miami-Dade Housing and Community Development). Official page · Checked October 23
How it works
It is a loan you pay at the end, for the down payment and the costs of the day you sign for the home.
What its official page says
The city page says today, November 3, 2026, that the application period is open. It does not say until when or how much money is left; ask the city.
- Are they taking applications?
- Yes, the office confirmed it to usseen November 3
- Is there money?
- We do not knowno check date
Still to confirm
- You have to be a citizen or a legal resident.
- You have to put in at least 1% of the price from your own pocket.
- It has to be the home where you will live.
Given by: the city (City of Miramar, Housing Division). Official page · Checked November 3
How it works
It is a loan with no interest and you pay nothing each month. According to the city, after 5 years you do not have to pay it back.
What its official page says
It accepts pre-applications on the city website; money is limited.
- Are they taking applications?
- Yes, per its pageseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- One city page says you get up to $20,000 and another city document says $30,000. Count on the lower one until the city confirms which one applies.
- The city says it counts up to 120% of what a typical family in the county earns, but the table it publishes shows lower figures (1 person: $95,400; 4 people: $136,200). Count on that table until the city confirms.
- The city confirms whether your credit and immigration status work.
Given by: the city (City of Miami Gardens, Community Development Department). Official page · Checked October 12
How it works
It is a loan at 3% interest over 30 years, with a small payment each month (about $52.70). Whatever is left to pay, you pay all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it.
What its official page says
The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- We do not knowno check date
Still to confirm
- The payment you make each month for this assistance has to fit within what your lender lets you owe each month.
- Your credit score has to be 640 or higher.
- You have to take a homebuyer course approved by the federal government before you sign for the home.
Given by: the State of Florida (Florida Housing Finance Corporation). Official page · Checked November 5
How it works
It is a loan with no interest and you pay nothing each month, but it is not forgiven: you pay it all back when you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it. The term is 30 years.
What its official page says
The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026; they do not say how much money is left.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- We do not knowno check date
Still to confirm
- Your credit score has to be 640 or higher.
- You have to take a homebuyer course approved by the federal government before you sign for the home.
- If your loan is a government-backed one (the 3.5%-down loan, the veterans loan or the rural loan), you have to be a permanent resident. With a regular bank loan, living here legally is enough.
Given by: the State of Florida (Florida Housing Finance Corporation). Official page · Checked November 5
How it works
It is a loan that gets forgiven little by little: each year 20% of the debt is taken off, and after 5 years you owe nothing. If before those 5 years you sell the home, put it in someone else’s name, replace your loan with a new one or stop living in it, you pay back what is left.
What its official page says
The rates to reserve this assistance on the Florida Housing page for lenders carry the date of each business day, and there is no pause notice. The official terms are those of September 17, 2026, and it only works with one specific state loan (FL HFA Advantage PLUS); they do not say how much money is left.
- Are they taking applications?
- Yes, per its pageseen November 5
- Is there money?
- We do not knowno check date
Still to confirm
- There is no maximum price for the home, but the loan cannot exceed $832,750.
- Your loan has to be that specific state loan (FL HFA Advantage PLUS), which is a regular bank loan: not the 3.5%-down loan or the veterans loan.
- Your credit score has to be 640 or higher.
Given by: the State of Florida (Florida Housing Finance Corporation). Official page · Checked November 5
How it works
It is a new townhome (it shares walls with the homes next to it), with a reasonably priced loan from Habitat. Its page says there are 26 homes.
What its official page says
The page says applications are now open and 26 homes are available.
- Are they taking applications?
- Yes, per its pageseen October 10
- Is there money?
- We do not knowno check date
Still to confirm
- The page does not publish how much your household can earn at most, which immigration status they ask for, or whether you must be a first-time buyer; Habitat confirms it (305-634-3628).
- Ask how many of the 26 homes are left.
- Habitat says it is building 7 of them between October 1 and November 21, 2026; ask when they will be ready.
Given by: a nonprofit (Habitat for Humanity of Greater Miami). Official page · Checked October 14
To be confirmed 18
We cannot be sure you can ask today. Each group says why.
Served in order of arrival9
How it works
It is a loan with no interest over 15 years that is paid at the end; when the term is over, it is forgiven.
What its official page says
The city brochure (June 22, 2026) says the program depends on money being available, and the website does not say whether there is any; the help for the area the city wants to improve says “not available at this time”.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- Neither the page nor the city brochure says whether there are funds today; ask the city.
- Before you apply you need a certificate from a homebuyer counseling course.
- You have to put in at least $1,000 from your own pocket.
Given by: the city (City of Fort Lauderdale, Housing & Community Development, with Housing Foundation of America, Oasis of Hope and DMCC). Official page · Checked October 14
How it works
It is a loan with no interest that you pay at the end, over 15 years; depending on the amount, the term can be 5, 10 or 15 years. If you meet the conditions, it becomes a gift and you do not pay it back.
What its official page says
The page does not say whether it is open; only that it is given out first come, first served, until the money runs out.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- The maximum amount is not confirmed: the program page says up to $90,000, but other city sources give $30,000 to $40,000 less. Count on the lower figure until the city tells you otherwise.
- You need your lender’s letter (pre-approval) and the purchase contract.
- You cannot own another home.
Given by: the city (City of Miramar, Housing Division). Official page · Checked October 14
How it works
It is a loan with no interest and you pay nothing each month. If you live in the home for 20 years, you do not have to pay it back. It only covers the down payment and the costs of the day you sign for the home.
What its official page says
The county says it is given based on need and while money lasts; it announces no closing.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- Today the assistance is up to $28,000, or $14,000 if your household earns more than 80% of what a typical family in the county earns. Confirm the amount with the county before counting on it.
- The county page does not require you to be a first-time buyer, but a 2023 notice mentions it; ask before you apply.
- The lender decides whether your credit and immigration status work; the program does not publish them.
Given by: Miami-Dade County (Miami-Dade Economic Advocacy Trust, MDEAT, Housing Division). Official page · Checked October 12
How it works
It is a loan with no interest that you pay at the end. If you meet the conditions, it becomes a gift and you do not pay it back.
What its official page says
The page says it is given first come, first served until the money runs out; it does not say whether any is left today.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- The city does not publish the income limit or the maximum price of the home.
- Call the city to find out whether it is open: 954-535-2482.
Given by: the city (City of Lauderdale Lakes). Official page · Checked October 14
How it works
It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
What its official page says
It comes from the same $40 million fund that opened on February 26, 2026; they do not publish how much is left.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- You have to be a police officer, teacher, health care worker, firefighter or other first responder (active or retired), a veteran, active military, or the husband or wife of someone in those groups who has passed away.
- You have to put in at least $1,000 from your own pocket.
- You have to take a financial counseling course before closing.
Given by: some banks (Federal Home Loan Bank of Atlanta). Official page · Checked October 12
How it works
It is money you do not have to pay back if you live in the home for 5 years. If you sell it earlier, you have to pay back part of it.
What its official page says
A $40 million fund opened on February 26, 2026, and is given out first come, first served; they do not publish how much is left.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- You have to put in at least $1,000 from your own pocket.
- You have to take a financial counseling course before closing.
- Your bank has to be enrolled in the program and still have money for it this year.
Given by: some banks (Federal Home Loan Bank of Atlanta). Official page · Checked October 12
How it works
It is a second loan, on top of the main loan from the same agency: it has no interest and you pay nothing each month. The main loan lasts 30 years and the interest rate stays the same the whole time.
What its official page says
The agency lists it as an active program, without saying until when or how much money is left.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- The home has no maximum price, but the loan cannot exceed $667,000 if it is the 3.5%-down loan (FHA), or $832,750 if it is a regular bank loan or a veterans loan.
- Your credit score has to be 660 or higher.
- You have to have 24 months in the same line of work.
Given by: Miami-Dade County (Housing Finance Authority of Miami-Dade County). Official page · Checked October 12
How it works
It is money you do not have to pay back. It is for middle-income families: not very low and not very high.
What its official page says
A $20 million fund since February 26, 2026; they do not publish how much is left.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- You have to put in at least $1,000 from your own pocket.
- You have to take a financial counseling course before closing.
- Your bank has to be enrolled in the program and still have money for it this year.
Given by: some banks (Federal Home Loan Bank of Atlanta). Official page · Checked October 12
How it works
It is money for the down payment and the costs of the day you sign for the home. You do not have to pay it back if you live in the home for 5 years; if you sell it earlier, you pay back all of it.
What its official page says
The agency publishes the rules and the application, but does not say until when or how much money is left; applications are handed in by appointment.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- You have to put in at least $2,000 from your own pocket.
- When you apply, you need the letter from your lender that says how much it will lend you (pre-approval).
- You have to take a homebuyer course approved by the federal government.
Given by: the city (North Miami Community Redevelopment Agency). Official page · Checked October 14
Their page does not say if they are open9
How it works
It is a second loan, on top of your bank loan: you pay it each month at a low interest rate (1% or 2% a year) over 30 years, and it is not forgiven.
What its official page says
The county page does not say whether it is open or closed and does not announce any pause.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- The county page does not say how much the home can cost, but its guide mentions a $451,000 cap. Count on that cap until your lender tells you otherwise.
- You cannot own a home in your name when you apply.
- You have to be a U.S. citizen or a permanent resident.
Given by: Miami-Dade County (Miami-Dade Housing and Community Development). Official page · Checked October 12
How it works
It is a loan with no interest over 15 years. The city says it forgives half after year 14, but it does not say what happens to the other half. You pay it back if you sell the home, rent it out, replace your loan with one that breaks the city’s rules, or take cash out of the home.
What its official page says
Its page says: “Eligible Applicants will be invited to apply online after completing the program requirements below starting Monday, November 2, 2026 at 10 A.M.” Since that moment, the city has been inviting people who have completed the program requirements, including the one-on-one counseling, to apply online. It is not a portal open to everyone, and the page does not confirm there is money for everyone. Checked on November 2, 2026.
- Are they taking applications?
- We do not know todayWe saw it October 10 and it said: “Not for now”.
- Is there money?
- We do not knowno check date
Still to confirm
- You cannot have missed payments on a home loan in the last 7 years.
- You have to take an 8-hour homebuyer course and also one-on-one financial counseling with one of the two organizations the city names.
- You have to put in at least 1% of the purchase price from your own pocket for closing: it cannot be borrowed or gifted money. A footnote from the city still mentions 3%; confirm it with them.
Given by: the city (City of Tamarac, Housing Administration). Official page · Checked November 2
How it works
It is a loan with no interest over 15 years that you pay at the end. After the first 5 years, 10% of the debt is forgiven each year.
What its official page says
The city has not published a new call: the last notice is from 2024-2025 (applications were in February and March 2025).
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- To find out whether a call is open, phone Minority Builders Coalition, which processes it (954-792-1121).
- You have to put in at least 1% of the price from your own pocket.
- The city sets the income limit and the maximum home price with each call.
Given by: the city (City of Plantation, with Minority Builders Coalition). Official page · Checked October 12
How it works
It is a loan with no interest and you pay nothing each month. After 10 years you do not have to pay it back.
What its official page says
The city housing page says it is not taking applications for now, but the program page, with figures from August 2026, explains how to reserve the money through a lender and does not say whether it is closed. Confirm with the city before counting on it.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- You have to put in 3% of the price from your own pocket.
- Your credit has to be acceptable to the lender and you cannot have had a bankruptcy in the last 24 months.
- What you pay on all your debts together cannot be more than 45% of what you earn.
Given by: the city (City of Homestead, Community Development & Human Services Division). Official page · Checked October 14
How it works
It is a loan with no interest that you pay back monthly. It can be used for the down payment, for the costs of the day you sign for the home, or to lower the interest rate on your loan.
What its official page says
It is a trial program; the village reviewed its documents on May 1, 2026 and does not say whether it is open or until when.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- Before you apply, you already need the letter from your lender (pre-approval) and a signed purchase contract.
- You have to prove your citizenship or legal status.
- People who live in the village and people who work there (police, fire, schools, health care) go first.
Given by: the city (Village of North Bay Village, with Housing Foundation of America). Official page · Checked October 12
How it works
It is a loan with no interest and you pay nothing each month. After 10 years you do not have to pay it back.
What its official page says
The official guide does not say until when it is open or whether money is left; its income table is from 2024.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- It has to be a house or a townhouse (a home that shares walls with its neighbors) inside the area the city wants to improve; condos are not eligible.
- Your household cannot earn more than the program limit; the area office tells you what it is.
- You have to put in 1% of the price from your own pocket.
Given by: the city (Homestead Community Redevelopment Agency). Official page · Checked October 14
How it works
It is money for the down payment and closing costs, from a federal fund (CDBG) the city splits among low- and moderate-income first-time buyers.
What its official page says
The city commission approved the program on April 14, 2026 (Resolution 26-23) for the federal year starting October 2026; the city has not yet published how or when to apply.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- It only counts if the home is inside Cooper City limits.
- The city has not set how much each buyer gets: its housing office confirms it when applications open.
- County purchase assistance (HPA) for Cooper City is a different fund, and today it shows no funds on the county list.
Given by: the city (City of Cooper City, run by Broward County or a city consultant). Official page · Checked November 4
How it works
It was help for the down payment and closing costs of income-eligible first-time buyers, paid with federal funds (CDBG).
What its official page says
The program appears in an official city notice from 2020. The city’s current assistance page covers home repair, so whether it is still alive today is not established: it has to be confirmed with the city.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- It would only count if the home is inside North Lauderdale and the city confirms the purchase program is still alive.
- County purchase assistance (HPA) for North Lauderdale is a different fund, and today it shows no funds on the county list.
Given by: the city (City of North Lauderdale). Official page · Checked November 4
How it works
These are new homes on county land, at a maximum price. The home has to stay reasonably priced for 20 years: if you sell before that, it has to be to someone else who meets the program’s conditions, at that same price.
What its official page says
The county page shows 106 lots, each with its builder and phone number; it does not say how many homes are still for sale.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- We do not knowno check date
Still to confirm
- To buy one of these homes you have to qualify for the county’s reasonably priced homes program; the county tells you how much your household can earn and whether you must be a first-time buyer.
- To find out which homes are still for sale and at what price, ask the builder of each lot.
- You have to take a homebuyer course with a counselor who works with the program.
Given by: Miami-Dade County (Miami-Dade Housing and Community Development). Official page · Checked October 12
Paused or waitlist 2
They stopped taking applications for now, or they have a waitlist.
How it works
It is a loan with no interest and you pay nothing each month. Under the 2025–2028 housing plan, after 15 years you do not have to pay it back. Part of the money goes to home improvements.
What the office told us
The city replied by email on October 23, 2026 that it is only taking people who join its waitlist and that it has no money for new applications.
- Are they taking applications?
- Yes, the office confirmed it to usseen October 30
- Is there money?
- We do not knowno check date
Still to confirm
- The city still uses money from its previous plan (2022 to 2025), which gave less depending on household income and over 20 years: ask which plan would apply to you.
- The city housing plan says it serves applicants from a waitlist.
- The city website and its housing plan give two different income limits; count on the lower one, and the city confirms which one applies.
Given by: the city (City of Hialeah, Housing and Community Services Division). Official page · Checked October 30
How it works
It is a loan and you pay nothing each month. After 15 years you do not have to pay it back. Part of the money goes to home repairs.
What its official page says
There is a waitlist.
- Are they taking applications?
- There is a waitlistseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- A lender has to approve your loan with a credit score it accepts (the 2024 guide asked for 650 or higher).
- The amount depends on your income: up to $150,000 only for the lowest incomes; with moderate income, up to $50,000.
- You have to put in 2% of the value of the home from your own pocket.
Given by: the city (City of Miami Beach, Office of Housing and Community Services). Official page · Checked October 12
Not for now 6
Closed or out of money. Some already have a date to come back.
How it works
It is a second loan on the home, on top of your bank loan: it has no interest, you pay nothing each month, and it has a 15-year term. The county does not say whether you pay it back at the end; ask before you apply.
What its official page says
The county list (with figures from late July 2026) says “no funds, all slots reserved” in districts 1 to 9. Properties outside any city, which Broward County handles directly, do not carry that mark and we do not know whether money is left.
- Are they taking applications?
- Not for nowseen October 12
- Is there money?
- It ran out in districts 1 to 9. Outside the cities, we do not know if any is left.seen October 12
Still to confirm
- The maximum home price: the county’s web page and flyer say $679,324, the cap the state published in 2025; the county’s guide for lenders (from March 2026) still says $636,806, the 2024 cap. Count on the lower one; your lender confirms which applies.
- You cannot have owned a home in the last 3 years.
- You have to take a homebuyer course from an agency approved by the federal government.
Given by: Broward County (Broward County Housing and Urban Planning Division). Official page · Checked October 12
How it works
It is a loan with no interest over 10 years. Each year 10% of the debt is forgiven.
What its official page says
The town page says “current status: closed; please check back for updates”.
- Are they taking applications?
- Not for nowseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- You need a lender that takes part in the program; the town does not publish a list.
- All applications go through that lender, and the town asks you to confirm by phone that funds are available (954-797-1173).
- You have to put in at least 1% of the price from your own pocket.
Given by: the city (Town of Davie, Housing and Community Affairs). Official page · Checked October 12
How it works
It is a loan with no interest and you pay nothing each month. If you live in the home for 15 years, you do not have to pay it back. If you sell it earlier, hand it over to someone else, or use it for anything other than living in it, you pay it back.
What its official page says
The county list (version of October 2, 2026) marks these areas “no funds” and says a new round of money is expected in November 2026.
- Are they taking applications?
- We do not know todayWe saw it October 12 and it said: “Not for now”.
- Is there money?
- No, it ran outseen November 5
Cities and areas
Each city or area has its own money. Per the county list, today 2 of 26 are not marked “no funds”.
County list, read November 5. New round expected: November 2026.
- Hollywood$50,000Taking applications
- Pembroke Pines$75,000Limited funds
- Coconut Creek$80,000No funds
- Coral Springs$80,000No funds
- Cooper City$80,000No funds
- Davie$80,000No funds
- Dania Beach$80,000No funds
- Hallandale Beach$80,000No funds
- Hillsboro Beach$80,000No funds
- Lauderdale-by-the-Sea$80,000No funds
- Lauderdale Lakes$80,000No funds
- Lazy Lake Village$80,000No funds
- Lighthouse Point$80,000No funds
- Margate$50,000No funds
- North Lauderdale$80,000No funds
- Oakland Park$80,000No funds
- Parkland$80,000No funds
- Pembroke Park$80,000No funds
- Plantation$80,000No funds
- Sunrise$40,000No funds
- Sea Ranch Lakes$80,000No funds
- Southwest Ranches$80,000No funds
- West Park$80,000No funds
- Weston$120,000No funds
- Wilton Manors$80,000No funds
- Unincorporated Broward$80,000No funds
Still to confirm
- Your credit: set by the lender.
- You cannot have owned a home in the last 3 years (there are exceptions for domestic violence or divorce).
- You have to take a homebuyer course from an agency approved by the federal government; the certificate has to be 12 months old or less.
Given by: Broward County (Broward County Housing and Urban Planning Division). Official page · Checked November 5
How it works
It is a loan with no interest over 20 years. In the last 5 years, the debt goes down 20% each year.
What its official page says
The city says “the program is closed as of June 8, 2026”; the state funds notice lists $100,000 for purchase assistance, with no opening date.
- Are they taking applications?
- Not for nowseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- The maximum home price is $451,000 with federal government funds, and higher with state funds. Count on $451,000 until the city tells you otherwise.
- With state funds your household can earn more: up to 140% of what a typical family in the county earns, depending on the fund.
- Your credit score has to be 640 or higher.
Given by: the city (City of Pompano Beach, Office of Housing & Urban Improvement). Official page · Checked October 12
How it works
It is a loan with no interest and you pay nothing each month. Its term is 30 years: at the end of the 30 years, the loan is forgiven.
What its official page says
The program page presents funds as first-come, first-served, but the county’s most recent flyer (June 17, 2026) marks Margate “no funds,” and the page itself tells the lender to confirm money is still available before applying: no available funds are established today.
- Are they taking applications?
- We do not knowno check date
- Is there money?
- No, it ran outseen November 4
Still to confirm
- It only counts if the home is inside Margate city limits.
- You have to take the 8-hour HUD-approved homebuyer course and borrow through a lender that participates in the program: the lender submits the application.
- You have to put in at least 3% of the price from your own money.
Given by: the city (Broward County Housing Finance and Community Redevelopment Division, en nombre de la City of Margate). Official page · Checked November 4
How it works
It is a loan with no interest and you pay nothing each month. An equal part is forgiven each year, and at the end of the term you owe nothing: the term is 5, 10 or 15 years depending on the amount, and most awards fall in the 10-year one.
What its official page says
The city is not taking applications: its programs page says the waitlist is currently closed. Amounts and rules are from its current local plan (LHAP 2025-26 to 2027-28).
- Are they taking applications?
- Not for nowseen November 4
- Is there money?
- We do not knowno check date
Still to confirm
- It only counts if the home is inside Sunrise city limits.
- The amount is not a figure per income band: it is up to $40,000 and the city calculates it from your real need (the price minus your first mortgage and your contribution).
- You have to put in at least 3% of the price from your own money, and have it when your income is certified.
Given by: the city (City of Sunrise). Official page · Checked November 4
A different kind of help 1
It is not money for the down payment: it is a discount on your taxes.
How it works
It is a discount on the federal taxes you pay, and you keep it for as long as you live in the home. If you sell within 9 years, depending on your income you may have to give back part of it.
What its official page says
The program guide lists it as valid through December 31, 2028; the list of participating banks is for 2026 only (dated May 18, 2026).
- Are they taking applications?
- Yes, per its pageseen October 12
- Is there money?
- We do not knowno check date
Still to confirm
- It has to be your first home in 3 years; this is not required in priority areas or for veterans.
- You have to take a homebuyer course.
- You have to move in and live in the home within the next 60 days.
Given by: Broward County (Housing Finance Authority of Broward County). Official page · Checked October 12
For reporters
The facts about the programs are public: use them freely, and it is always better to cite each program’s official page.
How much it takes this month
The cash needed at closing for the median-priced home in each county. It is Umbralio’s own calculation: we ask you to cite it.
Median-priced home in Miami-Dade
$43,000 to $60,000
For a $680,000 home (the median sale price in August 2026) and the government loan that asks for 3.5% down (FHA).
Price: Miami Realtors, published September 16, 2026. Rate used: 6.90%, from November 4, 2026.
Median-priced home in Broward
$42,000 to $58,000
For a $650,000 home (the median sale price in August 2026) and the government loan that asks for 3.5% down (FHA).
Price: Miami Realtors, published September 16, 2026. Rate used: 6.90%, from November 4, 2026.
The same-day alert
We email you the day a program changes, with the summary already written in English and Spanish, and a summary each month. Free.
Every change, one by one
Every verified change, with its before and after and the official source, is published in the Tracker’s press room. See the changes
How to cite usSource: Umbralio Down Payment Assistance Tracker (https://umbralio.com/en/down-payment-assistance-tracker), accessed November 6, 2026.
The text and the “how much it takes” figure can be used free of charge under the Creative Commons BY 4.0 license, citing Umbralio.
If you need someone to explain it
Nelson Paredes, agent at One Stop Realty Center Inc and creator of Umbralio, works with the press by email: write with whatever you need and he will set up an interview or anything else, in English or Spanish.
nelson@umbralio.com
Umbralio does not give or process these programs: each one is given by whoever appears in it. An official page can change the same day; confirm there before you decide.
