See programs you qualify for

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

Homebuyer Programs in Lauderhill, FL (2026)

Population: 78,000 | Median home price: $290,000 | Est. closing costs: $6,000 - $8,500

Lauderhill is a diverse city in Broward County, situated just west of Fort Lauderdale in South Florida. With a median home price around $290,000, Lauderhill offers relatively affordable homeownership opportunities compared to neighboring coastal cities. The City of Lauderhill SHIP Purchase Assistance Program provides up to $75,000 as a zero-interest deferred loan for income-eligible first-time buyers purchasing within city limits. Buyers can also access the Broward County Homebuyer Purchase Assistance Program, which offers up to $80,000 in additional deferred loan assistance. State programs like the Florida Hometown Heroes Housing Program provide up to 5% of the loan amount, and the Florida Assist program offers up to $10,000 as a deferred second mortgage. By combining city, county, and state programs, eligible Lauderhill buyers can stack well over $100,000 in assistance toward their home purchase.

City Programs in Lauderhill

Program Name	Type	Amount	First-Time Only	Details
City of Lauderhill SHIP Purchase Assistance Program	Zero-Interest Loan	Up to $75,000 depending on household income tier	Yes	View →

City of Lauderhill SHIP Purchase Assistance Program

Type:: Zero-Interest Loan
Amount:: Up to $75,000 depending on household income tier
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 →
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

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

18 programs available in Lauderhill. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. For the City of Lauderhill SHIP program, household income must be at or below 120% of Area Median Income based on household size. You must be a first-time homebuyer and cannot have cash assets exceeding $40,000 after closing.

Step 2: Complete homebuyer education. Enroll in a HUD-approved homebuyer education course that is also approved by the City of Lauderhill. Contact the City's Housing and Grants Division for a list of approved providers.

Step 3: Contact the City of Lauderhill Housing and Grants Division. Visit the City's housing grants page or contact them directly to begin your application and learn about current funding availability.

Step 4: Get pre-approved for a first mortgage. Work with a lender to determine how much home you can afford. You must contribute at least 3% of the purchase price as a down payment, with at least 1% from your own personal funds. If applying for the Florida Hometown Heroes program, use a participating Florida Housing Finance Corporation lender.

Step 5: Find an eligible home within Lauderhill city limits. The property can be a single-family home or condominium, either newly constructed or existing.

Step 6: Submit your application. Work with the City's Housing and Grants Division to complete your down payment assistance application. Also consider applying for the Broward County Homebuyer Purchase Assistance Program at (954) 357-4900 for additional assistance up to $80,000.

Frequently Asked Questions

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

The City of Lauderhill SHIP Purchase Assistance Program offers up to $75,000 as a zero-interest deferred loan. You can also apply for the Broward County Homebuyer Purchase Assistance Program, which provides up to $80,000 in additional deferred loan assistance. State programs like the Florida Hometown Heroes Housing Program offer up to 5% of the loan amount, and the Florida Assist program provides up to $10,000 as a deferred second mortgage. Combining these programs could provide well over $100,000 in total assistance.

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

The City of Lauderhill SHIP program requires first-time buyer status. The Broward County Homebuyer Purchase Assistance Program and the Florida Hometown Heroes program also typically require first-time buyer status. However, federal programs like FHA loans, VA loans, and USDA loans do not have a first-time buyer requirement.

What is the maximum home price I can buy with assistance?+

The City of Lauderhill SHIP program does not publish a fixed purchase price limit, but assistance is tied to income eligibility and the home must be within Lauderhill city limits. The Broward County program has its own purchase price limits that are updated annually. State programs like Florida Hometown Heroes have separate limits that vary by county. Contact the City Housing and Grants Division for current limits.

What homebuyer education is required?+

You must complete a HUD-approved homebuyer education course that is also approved by the City of Lauderhill. Contact the City Housing and Grants Division for a list of approved course providers in the area.

Can I combine the city and county programs?+

Yes, Lauderhill buyers can potentially stack the City of Lauderhill SHIP Purchase Assistance Program (up to $75,000) with the Broward County Homebuyer Purchase Assistance Program (up to $80,000) and state programs like Florida Hometown Heroes and Florida Assist. Each program has its own eligibility requirements, so you will need to qualify for each separately. The Broward County Mortgage Credit Certificate Program can also save you up to $2,000 per year in federal tax credits.

What is the minimum down payment I need to contribute?+

For the City of Lauderhill SHIP program, you must contribute at least 3% of the purchase price toward your down payment. At least 1% must come from your own personal funds, and up to 1% can be in the form of a gift as long as the source is disclosed. Additionally, applicants with cash assets exceeding $40,000 after closing are not eligible.