See programs you qualify for

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

Homebuyer Programs in Davie, FL (2026)

Population: 106,000 | Median home price: $520,000 | Est. closing costs: $10,500 - $15,500

Davie is a suburban town in Broward County known for its equestrian heritage and proximity to Fort Lauderdale, with a median home price around $520,000. The Town of Davie offers one of the most generous local homebuyer programs in South Florida through its SHIP First-Time Homebuyer Program, providing up to $90,000 as a 10-year deferred loan at 0% interest for down payment and closing costs. Buyers can also access Broward County's Homebuyer Purchase Assistance Program for up to $80,000 in additional help, plus Florida's Hometown Heroes Program offering up to $35,000 for eligible frontline workers. By stacking local, county, and state programs, first-time buyers in Davie could potentially access over $200,000 in combined assistance to make homeownership achievable.

City Programs in Davie

Program Name	Type	Amount	First-Time Only	Details
Town of Davie First-Time Homebuyer Program (SHIP)	Deferred Loan	Up to $90,000	Yes	View →

Town of Davie First-Time Homebuyer Program (SHIP)

Type:: Deferred Loan
Amount:: Up to $90,000
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 Davie. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most programs require household income at or below 80% of the Area Median Income for Broward County. The Town of Davie program prioritizes very-low and low-income households and special needs households.

Step 2: Complete a HUD-approved homebuyer education course. The Urban League of Broward County offers a monthly 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 Town of Davie Housing and Community Affairs Division at 954-797-1173 or visit their office at 4700 SW 64th Ave., Suite D, Davie, FL. Pick up or download an application for the SHIP First-Time Homebuyer Program.

Step 4: Get pre-approved for a 30-year fixed-rate first mortgage through a participating lender. For the Broward County program, you must work with an approved lender from their participating lender list.

Step 5: Find a home within the Town of Davie limits (for the town program) or anywhere in Broward County (for the county program). The Broward County program has a purchase price limit of approximately $636,806.

Step 6: Submit your complete application with your pre-approval letter and all required documentation. The Davie program awards funds on a first-come, first-served basis, so apply as soon as possible. The Broward County program typically takes 5-6 weeks for review after submission.

Frequently Asked Questions

How much down payment assistance can I get in Davie?+

Davie buyers have access to some of the most generous assistance in South Florida. The Town of Davie SHIP First-Time Homebuyer Program offers up to $90,000 as a 10-year deferred loan at 0% interest. The Broward County Homebuyer Purchase Assistance Program provides up to $80,000 as a 0% interest deferred loan with a 15-year affordability period. Florida's Hometown Heroes Program adds up to $35,000 for eligible frontline workers. Additionally, the FL Assist program offers $10,000 and the Florida HLP program provides up to 5% of the loan amount. By combining these programs, eligible buyers could potentially access over $200,000 in total assistance.

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

The Town of Davie SHIP program and the Broward County Homebuyer Purchase Assistance Program both require you to be a first-time homebuyer, defined as someone who has not owned a home in the past three years. Exceptions may apply for divorced or displaced homemakers. However, some state programs like the Florida Hometown Heroes Program and FHA loans are available to repeat buyers as well.

What is the maximum home price I can pay?+

The Broward County Homebuyer Purchase Assistance Program has a purchase price limit of approximately $636,806. The Town of Davie SHIP program does not publish a specific purchase price cap, but the home must be located within Davie town limits and must be affordable relative to your income. FHA loan limits for Broward County are set annually by HUD.

What homebuyer education is required?+

Both the Town of Davie and Broward County programs require completion of a HUD-approved homebuyer education course before applying. The Urban League of Broward County offers a monthly 8-hour workshop on the second Saturday of each month. Contact them at 954-584-0777 to register. Habitat for Humanity of Broward also provides homebuyer education resources.

Can I combine the Town of Davie program with the Broward County program?+

Yes, buyers in Davie can potentially stack the Town of Davie SHIP program (up to $90,000) with the Broward County Homebuyer Purchase Assistance Program (up to $80,000), along with state programs like Hometown Heroes (up to $35,000) and FL Assist ($10,000). However, the total assistance combined with your first mortgage cannot exceed the home's purchase price, and each program has its own eligibility requirements that must be met independently. Work with your lender to determine the best combination for your situation.