See programs you qualify for

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

Homebuyer Programs in Miramar, FL (2026)

Population: 140,000 | Median home price: $530,000 | Est. closing costs: $10,500 - $16,000

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.

City 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 →

City of Miramar First-Time Homebuyer Program

Type:: Deferred Loan
Amount:: Up to $50,000
First-time only:: Yes

City of Miramar Moderate Income Mortgage Assistance (MIMA) Program

Type:: Deferred Loan
Amount:: Up to $30,000 or 10% of purchase price, whichever is less
First-time only:: No

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

19 programs available in Miramar. See which ones you qualify for.

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Are you a first-time homebuyer?

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Question 1 of 6

housebuyerguides

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.

Frequently Asked Questions

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

Miramar buyers can stack multiple programs. The City of Miramar First-Time Homebuyer Program offers up to $50,000, and the MIMA Program offers up to $30,000. The Broward County Homebuyer Purchase Assistance Program provides up to $80,000. Add state programs like Florida Hometown Heroes (up to $35,000) and Florida Assist ($10,000), and eligible buyers could access over $100,000 in combined assistance.

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

It depends on the program. The City of Miramar First-Time Homebuyer Program requires first-time buyer status (no homeownership in the past 3 years). However, the MIMA Program does not require first-time buyer status, making it available to repeat buyers earning up to $165,000. Federal programs like FHA and VA loans also do not require first-time buyer status.

What is the difference between the First-Time Homebuyer Program and the MIMA Program?+

The First-Time Homebuyer Program offers up to $50,000 for very-low and low-income households and requires first-time buyer status and an 8-hour homebuyer education course. The MIMA Program offers up to $30,000 (or 10% of purchase price) for moderate-income households earning up to $165,000 and does not require first-time buyer status or homebuyer education.

What is the maximum home price I can pay?+

The Broward County Homebuyer Purchase Assistance Program has a maximum purchase price of $636,806. The City of Miramar programs require the property to be within Miramar city limits. Contact the city housing department for any additional price restrictions on the local programs.

What homebuyer education is required?+

The City of Miramar First-Time Homebuyer Program requires completion of an 8-hour HUD-approved homebuyer education course. The MIMA Program does not have this requirement. The Urban League of Broward County offers free workshops at 954-584-0777, and the Housing Foundation of America in nearby Pembroke Pines offers courses at 954-923-5001.

Can I combine Miramar city programs with county and state programs?+

Yes, Miramar buyers can potentially layer the city program with the Broward County Homebuyer Purchase Assistance Program (up to $80,000), the Broward County Mortgage Credit Certificate (up to $2,000/year), and state programs like Florida Hometown Heroes and Florida Assist. Work with your lender and program administrators to coordinate multiple assistance sources.