Down payment and closing cost assistance for homebuyers in Miami-Dade County, Florida.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Maximum assistance: up to $35,000
- First-time buyer requirement (3-year rule) for most programs
- Income limits based on AMI (area median income) by household size
- Must purchase in the county
- Homebuyer education course required
- Administered by: Miami-Dade County Housing Agency
- Can combine with state programs (Hometown Heroes, FL Assist, MCC)
- Funds are limited — apply early each funding cycle
- Contact Miami-Dade County Housing Agency for current program status and application