Homebuyer Programs in Miramar, FL (2026)
Miramar is a fast-growing city in western Broward County, Florida, known for its diverse community, excellent schools, and proximity to both Fort Lauderdale and Miami. With a median home price around $530,000, the city offers two distinct local assistance programs to help buyers. The City of Miramar First-Time Homebuyer Program provides up to $50,000 as a zero-interest deferred loan forgivable over 15 years for lower-income households, while the Moderate Income Mortgage Assistance (MIMA) Program offers up to $30,000 for households earning up to $165,000. Layer these with the Broward County Homebuyer Purchase Assistance Program (up to $80,000), the Broward County Mortgage Credit Certificate (up to $2,000/year tax credit), and state programs like Florida Hometown Heroes (up to $35,000), and eligible Miramar buyers could access well over $100,000 in combined assistance.
Top Homebuyer Programs in Miramar
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Miramar First-Time Homebuyer Program | Deferred Loan | Up to $50,000 | Yes | View → |
| City of Miramar Moderate Income Mortgage Assistance (MIMA) Program | Deferred Loan | Up to $30,000 or 10% of purchase price, whichever is less | No | View → |
| Broward County Homebuyer Purchase Assistance Program | Deferred Loan | Up to $80,000 | Yes | View → |
| Broward County Mortgage Credit Certificate Program | Tax Credit | Up to $2,000 per year | Yes | View → |
| 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 → |
| 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+ | Forgivable Loan | Up to $15,000 in home purchase assistance for down payment and closing costs | 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 → |
| 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 → |
| 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 first mortgage loan amount | 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:
- Deferred Loan
- Amount:
- Up to $50,000
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $30,000 or 10% of purchase price, whichever is less
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $80,000
- First-time only:
- Yes
- Type:
- Tax Credit
- Amount:
- Up to $2,000 per year
- First-time only:
- Yes
- 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:
- 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:
- Forgivable Loan
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- 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
- Type:
- Zero-Interest Loan
- Amount:
- Affordable mortgage with below-market terms
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Permanently affordable homes priced in the $200,000s to $300,000s
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3%, 4%, or 5% of the first mortgage loan amount
- 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
How to Apply
- Step 1:
Check your eligibility. The City of Miramar First-Time Homebuyer Program serves very-low and low-income households and requires first-time buyer status. The MIMA Program is open to moderate-income households earning up to $165,000 and does not require first-time buyer status.
- Step 2:
Complete homebuyer education. The First-Time Homebuyer Program requires an 8-hour HUD-approved course. The Urban League of Broward County offers free counseling at 954-584-0777. The Housing Foundation of America in nearby Pembroke Pines also offers workshops at 954-923-5001.
- Step 3:
Contact the City of Miramar Housing Department to determine which program fits your situation. For the MIMA Program, contact Delissa Corbin at dtcorbin@miramarfl.gov or 954-883-5328.
- Step 4:
Apply for the Broward County Homebuyer Purchase Assistance Program through the county's Housing Finance and Community Development Division for up to $80,000 in additional deferred-loan assistance. You will need to contribute 1% from personal funds and pay a $750 transaction fee.
- Step 5:
Get pre-approved for a mortgage through a Florida Housing-approved lender. Ask about the Broward County Mortgage Credit Certificate Program for up to $2,000 per year in federal tax credits. Contact the Housing Finance Authority of Broward County at 954-357-4900.
- Step 6:
Find a home within Miramar city limits. For the First-Time Homebuyer Program, you must contribute at least 1% of the sales price from personal funds. Eligible property types include single-family homes, townhomes, condominiums, and villas.
- Step 7:
Submit your applications with all required documentation. Funding availability varies, so apply promptly once you are under contract.