See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated March 25, 2026

Homebuyer Programs in Coral Springs, FL (2026)

Population: 144,121 | Median home price: $560,000 | Est. closing costs: $11,000 - $17,000

Coral Springs is a family-friendly city in Broward County, Florida, with a population of about 144,000 and a median home price around $560,000. The city offers its own Purchase Assistance Program providing up to $80,000 as a zero-interest forgivable loan for first-time homebuyers earning up to 120% of the area median income. Buyers can also tap the Broward County Homebuyer Purchase Assistance Program for up to $80,000 in deferred-loan assistance, along with the Broward County Mortgage Credit Certificate Program offering up to $2,000 per year in federal tax credits. At the state level, programs like the Florida Hometown Heroes Program and Florida Assist provide additional down payment and closing cost help. By stacking city, county, state, and federal programs, Coral Springs buyers can potentially access well over $100,000 in combined homebuyer assistance.

City Programs in Coral Springs

Program Name	Type	Amount	First-Time Only	Details
City of Coral Springs Purchase Assistance Program	Forgivable Loan	Up to $80,000	Yes	View →

City of Coral Springs Purchase Assistance Program

Type:: Forgivable Loan
Amount:: Up to $80,000
First-time only:: Yes

County Programs in Broward County

Program Name	Type	Amount	First-Time Only	Details
Broward County Homebuyer Purchase Assistance Program	Deferred Loan	Up to $80,000 in most participating communities; up to $120,000 in Weston, $75,000 in Pembroke Pines, $50,000 in Hollywood and Margate, $40,000 in Sunrise	Yes	View →
Broward County Mortgage Credit Certificate Program	Tax Credit	Up to $2,000 per year	Yes	View →

Broward County Homebuyer Purchase Assistance Program

Type:: Deferred Loan
Amount:: Up to $80,000 in most participating communities; up to $120,000 in Weston, $75,000 in Pembroke Pines, $50,000 in Hollywood and Margate, $40,000 in Sunrise
First-time only:: Yes

Broward County Mortgage Credit Certificate Program

Type:: Tax Credit
Amount:: Up to $2,000 per year
First-time only:: Yes

State Programs in Florida

Program Name	Type	Amount	First-Time Only	Details
FHLBA Community Partners Product	Forgivable Loan	Up to $20,000 in home purchase assistance for down payment and closing costs	No	View →
FHLBA First Time Homebuyer Product	Forgivable Loan	Up to $17,500 in home purchase assistance for down payment and closing costs	Yes	View →
FHLBA Workforce Housing Plus+	Grant	Up to $15,000 in home purchase assistance for down payment and closing costs	No	View →
Florida Assist (FL Assist) Second Mortgage Program	Deferred Loan	Up to $10,000	Yes	View →
Florida HFA Preferred and Advantage PLUS Program	Forgivable Loan	3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)	Yes	View →
Florida Hometown Heroes Housing Program	Deferred Loan	Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000	Yes	View →

FHLBA Community Partners Product

Type:: Forgivable Loan
Amount:: Up to $20,000 in home purchase assistance for down payment and closing costs
First-time only:: No

FHLBA First Time Homebuyer Product

Type:: Forgivable Loan
Amount:: Up to $17,500 in home purchase assistance for down payment and closing costs
First-time only:: Yes

FHLBA Workforce Housing Plus+

Type:: Grant
Amount:: Up to $15,000 in home purchase assistance for down payment and closing costs
First-time only:: No

Florida Assist (FL Assist) Second Mortgage Program

Type:: Deferred Loan
Amount:: Up to $10,000
First-time only:: Yes

Florida HFA Preferred and Advantage PLUS Program

Type:: Forgivable Loan
Amount:: 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)
First-time only:: Yes

Florida Hometown Heroes Housing Program

Type:: Deferred Loan
Amount:: Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
First-time only:: Yes

Federal Programs

Program Name	Type	Amount	First-Time Only	Details
FHA Loans	Government-Insured Mortgage	Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)	No	View →
Good Neighbor Next Door (HUD)	Government Property Sale Program	50% discount off the list price of HUD-owned homes	Yes	View →
Home Possible Mortgage (Freddie Mac)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HomeReady Mortgage (Fannie Mae)	Government-Guaranteed Mortgage	Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment	No	View →
HUD $100 Down Program	FHA-Financed HUD REO Purchase	Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.	No	View →
USDA Rural Development Loans	Government-Guaranteed Mortgage	100% financing (no down payment required); loan amount up to appraised value	No	View →
VA Loans	Government-Guaranteed Mortgage	No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)	No	View →

FHA Loans

Type:: Government-Insured Mortgage
Amount:: Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
First-time only:: No

Good Neighbor Next Door (HUD)

Type:: Government Property Sale Program
Amount:: 50% discount off the list price of HUD-owned homes
First-time only:: Yes

Home Possible Mortgage (Freddie Mac)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HomeReady Mortgage (Fannie Mae)

Type:: Government-Guaranteed Mortgage
Amount:: Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
First-time only:: No

HUD $100 Down Program

Type:: FHA-Financed HUD REO Purchase
Amount:: Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
First-time only:: No

USDA Rural Development Loans

Type:: Government-Guaranteed Mortgage
Amount:: 100% financing (no down payment required); loan amount up to appraised value
First-time only:: No

VA Loans

Type:: Government-Guaranteed Mortgage
Amount:: No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
First-time only:: No

Nonprofit Programs

Program Name	Type	Amount	First-Time Only	Details
Habitat for Humanity of Broward Homeownership Program	Zero-Interest Loan	Affordable mortgage with below-market terms	Yes	View →
Neighborhood Housing Services of South Florida Homebuyer Program	Deferred Loan	Down payment and closing cost assistance available	Yes	View →
South Florida Community Land Trust Homeownership Program	Deferred Loan	Permanently affordable homes priced in the $200,000s to $300,000s	Yes	View →

Habitat for Humanity of Broward Homeownership Program

Type:: Zero-Interest Loan
Amount:: Affordable mortgage with below-market terms
First-time only:: Yes

Neighborhood Housing Services of South Florida Homebuyer Program

Type:: Deferred Loan
Amount:: Down payment and closing cost assistance available
First-time only:: Yes

South Florida Community Land Trust Homeownership Program

Type:: Deferred Loan
Amount:: Permanently affordable homes priced in the $200,000s to $300,000s
First-time only:: Yes

Free eligibility check

19 programs available in Coral Springs. See which ones you qualify for.

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Question 1 of 6

housebuyerguides

How to Apply

Step 1: Check your eligibility. For the City of Coral Springs Purchase Assistance Program, your household income must be at or below 120% of the area median income, and you must not have owned a home in the past three years. The Broward County program requires income at or below 80% AMI.

Step 2: Complete a HUD-approved homebuyer education course. Both the city and county programs require this before you can apply. The Urban League of Broward County offers an 8-hour First-Time Homebuyer Workshop on the second Saturday of each month. Contact them at 954-584-0777 to register.

Step 3: Contact the City of Coral Springs Community Development Department at 954-344-1161 or email ncarter@coralsprings.gov to begin your city application. For the Broward County program, visit the Housing Finance Division at broward.org/Housing.

Step 4: Get pre-approved for a first mortgage through a participating lender. You will need a minimum credit score of 640 for the city program. Both programs require the home to be your primary residence.

Step 5: Find a home within the city limits of Coral Springs. Eligible properties include single-family homes, condos, villas, and townhomes.

Step 6: Submit your complete application package. The Broward County income certification and funding process typically takes 5 to 6 weeks once the lender submits a complete package. The city program timeline is similar.

Step 7: Attend closing and move into your new home. Remember that the city's forgivable loan requires 15 years of owner-occupancy, and the county's deferred loan has the same 15-year affordability period.

Frequently Asked Questions

How much down payment assistance can I get in Coral Springs?+

Coral Springs buyers can access significant assistance by stacking multiple programs. The City of Coral Springs Purchase Assistance Program offers up to $80,000 as a zero-interest forgivable loan. The Broward County Homebuyer Purchase Assistance Program provides up to $80,000 as a 0% interest deferred-payment second mortgage. The Broward County Mortgage Credit Certificate Program saves you up to $2,000 per year in federal tax credits. At the state level, the Florida Hometown Heroes Program offers up to 5% of the loan amount and the Florida Assist program provides up to $7,500. Combined with federal options like FHA and VA loans, eligible buyers could access well over $100,000 in total assistance.

Do I have to be a first-time homebuyer to qualify?+

The City of Coral Springs Purchase Assistance Program and the Broward County Homebuyer Purchase Assistance Program both require you to be a first-time homebuyer, defined as not having owned a home in the past three years. However, the Florida Hometown Heroes Program is available to all eligible buyers regardless of whether they have owned a home before, and federal programs like FHA and VA loans do not have first-time buyer requirements.

What are the income limits for Coral Springs homebuyer programs?+

Income limits vary by program. The City of Coral Springs Purchase Assistance Program allows household incomes up to 120% of the Area Median Income based on family size. The Broward County Homebuyer Purchase Assistance Program has a stricter limit of 80% AMI. Income limits are updated annually by HUD, so contact the City of Coral Springs Community Development Department at 954-344-1161 or Broward County Housing Finance Division for current figures.

What homebuyer education is required?+

Both the City of Coral Springs and Broward County programs require completion of a HUD-approved homebuyer education course before applying. The Urban League of Broward County offers an 8-hour First-Time Homebuyer Workshop on the second Saturday of each month. You can register by calling 954-584-0777. Neighborhood Housing Services of South Florida also offers HUD-approved homebuyer education classes in the Broward County area.

What types of homes can I buy with these programs?+

The City of Coral Springs program covers existing or newly constructed single-family homes within the city limits. The Broward County program is broader and includes single-family homes, condominiums, villas, and townhomes located anywhere in Broward County. All properties must serve as your primary residence and must pass a comprehensive home inspection.