See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Kendall, FL (2026)
Kendall is a large unincorporated community in Miami-Dade County, Florida, located in the southern suburbs of Miami with a population of approximately 79,000 and a median home price around $530,000. Despite being one of the higher-priced areas in the metro, Kendall homebuyers have access to several generous county-level down payment assistance programs. The Miami-Dade County Homebuyer Loan Program (HLP) offers up to $100,000 at just 1% interest, the Miami-Dade County Homebuyer Down Payment Assistance Program provides up to $35,000 as an interest-free deferred loan, and the MDEAT Homeownership Assistance Program adds up to $28,500 for households at or below 80% AMI. Combined with state programs like the Florida Hometown Heroes Program (up to $35,000) and the Florida Assist Second Mortgage ($10,000), eligible Kendall homebuyers could potentially access over $150,000 in combined assistance.
County Programs in Miami-Dade County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| HFA Miami-Dade Mortgage Program | Deferred Loan | Up to $15,000 | Yes | View → |
| MDEAT Homeownership Assistance Program (HAP) | Forgivable Loan | Up to $28,500 (at or below 80% AMI) or up to $14,500 (above 80% AMI) | No | View → |
| Miami-Dade County Homebuyer Down Payment Assistance Program | Deferred Loan | Up to $35,000 | Yes | View → |
| Miami-Dade County Homebuyer Loan Program (HLP) | Zero-Interest Loan | Up to $100,000 at 1% interest or $80,000 at 2% interest | No | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $15,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- Up to $28,500 (at or below 80% AMI) or up to $14,500 (above 80% AMI)
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $35,000
- First-time only:
- Yes
- Type:
- Zero-Interest Loan
- Amount:
- Up to $100,000 at 1% interest or $80,000 at 2% interest
- First-time only:
- No
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 → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- 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
- 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 → |
- 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
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- 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
- 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
- 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
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- 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 Greater Miami | Zero-Interest Loan | Affordable home purchase with 0% interest mortgage | No | View → |
| Neighborhood Housing Services of South Florida Homebuyer Program | Deferred Loan | Down payment and closing cost assistance available | Yes | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Down payment and closing cost assistance available
- First-time only:
- Yes
How to Apply
Step 1: Check your eligibility. The Miami-Dade County Homebuyer Down Payment Assistance Program serves first-time homebuyers with household income at or below 140% of the Area Median Income. The MDEAT program serves households at or below 80% AMI. Income limits vary by household size.
Step 2: Complete homebuyer education. All Miami-Dade County programs require completion of an 8-hour HUD-approved homebuyer education course. Neighborhood Housing Services of South Florida at (305) 751-5511 offers free classes in English and Spanish. The Housing Finance Authority of Miami-Dade County website lists additional approved providers.
Step 3: Meet with a housing counselor. Schedule a free one-on-one appointment with Neighborhood Housing Services of South Florida or another HUD-approved counseling agency to review which programs you qualify for and create a homeownership plan.
Step 4: Get pre-approved for a first mortgage. Work with a lender approved by the programs you're applying to. For the HFA Miami-Dade Mortgage Program, you must use an approved participating lender from the Housing Finance Authority of Miami-Dade County.
Step 5: Find a home in the Kendall area. The property must be located within Miami-Dade County (Kendall qualifies as unincorporated Miami-Dade). The home must serve as your primary residence and meet all program requirements.
Step 6: Submit your application. Contact the Miami-Dade County Department of Public Housing and Community Development at (786) 469-4100 to apply for the county DPA program. For the HFA Miami-Dade program, your lender will process the application.
Step 7: Close on your new home. After approval, coordinate your closing. County assistance is recorded as a deferred loan, and the HFA program provides a deferred second mortgage alongside your first mortgage.
Frequently Asked Questions
How much down payment assistance can I get in Kendall?+−
Do I have to be a first-time homebuyer to qualify?+−
Is Kendall eligible for Miami-Dade County programs even though it is not a city?+−
What homebuyer education is required?+−
What is the difference between the DPA program and the Homebuyer Loan Program?+−
Can I buy a condo in Kendall with these programs?+−
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