Broward County down payment assistance reaches up to $80,000, and up to $120,000 in the higher-cost parts of the county, on top of everything the state offers.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Sourced from Broward County and Florida Housing · Last updated: August 2026
Because Broward sits above the Florida loan-limit floor, the county funds a larger award than most of the state. Its Housing and Urban Planning Division administers the money directly, so the terms below come from the county rather than from a lender.
Broward County down payment assistance programs
| Program | Maximum assistance | Notes |
|---|---|---|
| Homebuyer Purchase Assistance (HPA) | Up to $80,000, and up to $120,000 in higher-cost areas such as Weston | 0% deferred second mortgage, 15-year affordability period; income at or below 80% AMI; 3% buyer contribution, except on VA loans |
| Broward Housing Partnership programs | $5,000 to $25,000 | Grants and forgivable loans, varying by program |
Both programs ask for first-time buyer status, a homebuyer education certificate, and lender approval. However, the county allocates this funding once a cycle, so it often runs out before the year ends. Apply early if you can.
Statewide programs you can stack in Broward
- Hometown Heroes: up to $35,000 if you work full-time in one of 50+ eligible occupations
- Florida Assist: up to $10,000 as a 0% deferred second mortgage
- HFA Preferred: a conventional loan with reduced mortgage insurance, plus assistance
- Mortgage Credit Certificate: up to $2,000 a year as a federal tax credit
Since the county award and the state award serve different gaps, most buyers use both. For the full comparison, read our Florida down payment assistance guide, then check the 2026 Broward County loan limits to see how much you can borrow.
How to get started
First, finish a HUD-approved homebuyer education course. Then get pre-qualified with a participating lender, because the county will not reserve funds without one. Once that is done, request a free eligibility check and we will map the Broward County down payment assistance you qualify for against the statewide programs.
Sources: Broward County Housing and Urban Planning Division and the Florida Housing Finance Corporation, 2026. Local funding is limited and allocated each cycle; verify current terms with the administering office.