Miami-Dade buyers can combine county and HFA programs worth up to $35,000 with the statewide Florida programs.
Written by Renzo Johnson, Licensed Mortgage Loan Originator · Sourced from Miami-Dade County and Florida Housing · Last updated: June 2026
Miami-Dade is a higher-cost county (its loan limits are above the Florida floor), and several local programs help bridge the down payment gap alongside the statewide programs.
Miami-Dade County local assistance
| Program | Maximum assistance | Notes |
|---|---|---|
| Homebuyer Down Payment Assistance (county) | Up to $35,000 | 0% interest, 30-year deferred; no monthly payment |
| Documentary Surtax Program | Up to $30,000 | 0% interest deferred second mortgage |
| HFA of Miami-Dade | Up to $10,000 | Deferred, zero-interest second mortgage |
Income limits are tiered by household size (roughly $95,620 for one person up to $136,500 for a household of four). All require first-time buyer status and a primary residence in Miami-Dade.
Statewide programs you can also use in Miami-Dade County
- Hometown Heroes: up to $35,000 for full-time workers in 50+ eligible occupations
- Florida Assist: up to $10,000, 0% deferred second mortgage
- HFA Preferred: conventional loan with reduced mortgage insurance plus assistance
- Mortgage Credit Certificate: up to $2,000/year federal tax credit
See the full breakdown on our Florida down payment assistance guide and the 2026 Miami-Dade County loan limits.
How to get started
Start with a HUD-approved homebuyer education course and get pre-qualified with a participating lender. Request a free eligibility check and we’ll map the Miami-Dade and statewide programs you qualify for.
Sources: Miami-Dade County Public Housing and Community Development and the Florida Housing Finance Corporation, 2026. Local funding is limited and allocated each cycle; verify current terms with the administering office.