See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026

Homebuyer Programs in Deerfield Beach, FL (2026)

Population: 92,000 | Median home price: $325,000 | Est. closing costs: $6,500 - $10,000

Deerfield Beach is a coastal city in Broward County, Florida, located between Boca Raton and Pompano Beach along the Atlantic coast. With a median home price around $325,000, buyers here have access to some of the most generous assistance programs in South Florida. The City of Deerfield Beach First-Time Homebuyer Purchase Assistance Program offers up to $70,000 in down payment and closing cost help, while the Broward County Homebuyer Purchase Assistance Program provides up to $80,000 as a forgivable deferred loan. Buyers may also qualify for state programs like the Florida Hometown Heroes Program, which offers up to $35,000 for eligible frontline workers. By combining city, county, and state programs, first-time buyers in Deerfield Beach can potentially stack well over $100,000 in total assistance toward their home purchase.

City Programs in Deerfield Beach

Program Name	Type	Amount	First-Time Only	Details
City of Deerfield Beach First-Time Homebuyer Purchase Assistance Program	Deferred Loan	Up to $70,000	Yes	View →

City of Deerfield Beach First-Time Homebuyer Purchase Assistance Program

Type:: Deferred Loan
Amount:: Up to $70,000
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 Deerfield Beach. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most programs in Deerfield Beach require household income at or below 80% of the Area Median Income (AMI) and that you have not owned a home in the past three years.

Step 2: Complete homebuyer education. Both the city and county programs require a HUD-approved homebuyer education course. 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 Deerfield Beach Housing and Grants Division at 954-250-4253 to learn about the city's Purchase Assistance Program, which provides up to $70,000 as a 0% interest deferred loan.

Step 4: Apply for the Broward County Homebuyer Purchase Assistance Program through a participating lender. The county program offers up to $80,000 as a 0% interest deferred loan forgiven after 15 years. Your lender applies on your behalf; there is no separate online application.

Step 5: Get pre-approved for a first mortgage. You will need a 30-year fixed-rate mortgage (conventional, FHA, VA, or USDA). The Broward County program requires buyers to contribute at least 3% of the purchase price, except for VA loans.

Step 6: Find a home within the City of Deerfield Beach that meets program requirements. Eligible properties include single-family homes, townhomes, condominiums, and villas.

Step 7: Submit your applications and work with your lender and the city to finalize assistance. Both programs are first-come, first-qualified, so apply early while funds are available.

Frequently Asked Questions

How much down payment assistance can I get in Deerfield Beach?+

Deerfield Beach buyers can access multiple layers of assistance. The City of Deerfield Beach Purchase Assistance Program offers up to $70,000, and the Broward County Homebuyer Purchase Assistance Program provides up to $80,000. State programs like the Florida Hometown Heroes Program add up to $35,000 for eligible workers, and the Florida Assist program offers up to $10,000. By stacking city, county, and state programs, eligible buyers could receive well over $100,000 in total assistance.

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

The City of Deerfield Beach and Broward County programs both require that you have not owned a home in the past three years. Federal programs like FHA and USDA loans do not require first-time buyer status, and VA loans are available to eligible veterans regardless of prior ownership.

What is the income limit for Deerfield Beach homebuyer programs?+

Both the City of Deerfield Beach and Broward County programs require household income at or below 80% of the Area Median Income (AMI). Income limits vary by household size and are updated annually. Contact the Housing and Grants Division at 954-250-4253 or Broward County Housing Finance at 954-357-4943 for current limits.

What homebuyer education is required?+

Both the city and 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. Contact them at 954-584-0777 to register.

Are the Deerfield Beach and Broward County programs forgivable?+

Yes. The City of Deerfield Beach program is a 0% interest deferred second loan that reverts to a grant if all program conditions are met, including maintaining the home as your primary residence for the required affordability period. The Broward County program is a 0% interest deferred loan with a 15-year affordability period, after which the loan is forgiven if you remain in the home.

What types of homes qualify for assistance in Deerfield Beach?+

Eligible properties include single-family detached homes, townhomes, condominiums, villas, eligible manufactured homes, and Planned Unit Developments (PUDs). The home must be located within the City of Deerfield Beach for the city program, or within Broward County for the county program, and must be owner-occupied as your primary residence.