See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in North Miami, FL (2026)
North Miami is a diverse city of about 62,000 residents in northeastern Miami-Dade County, Florida, known for its vibrant Haitian-American community and proximity to Biscayne Bay. With a median home price around $457,000, buyers here have access to an unusually deep stack of assistance programs. The City of North Miami First-Time Homebuyer Assistance Program offers up to $40,000 through HOME and SHIP funds. At the county level, the Miami-Dade County Homebuyer Down Payment Assistance Program provides up to $35,000, the MDEAT Homeownership Assistance Program adds up to $28,500, and the Miami-Dade Homebuyer Loan Program can provide up to $100,000 in affordable financing. The HFA Miami-Dade Mortgage Program offers an additional $15,000. Florida state programs including Hometown Heroes (up to $35,000) and Florida Assist (up to $10,000) round out the options. By stacking city, county, and state programs, eligible North Miami buyers could receive well over $100,000 in total assistance.
City Programs in North Miami
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of North Miami First-Time Homebuyer Assistance Program | Deferred Loan | Up to $40,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Up to $40,000
- First-time only:
- Yes
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 → |
| NACA Purchase Program (Miami) | Grant | No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate | 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:
- Grant
- Amount:
- No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate
- 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. Most programs require household income at or below 80% to 140% of Area Median Income for Miami-Dade County. You must be a first-time homebuyer, meaning you have not owned a home in the past three years. The City of North Miami program requires you to have at least 3% of the purchase price available from your own funds and no more than $30,000 in liquid assets.
Step 2: Complete homebuyer education. An 8-hour HUD-approved homebuyer education course is required. Neighborhood Housing Services of South Florida (NHSSF) offers courses in English, Spanish, and Creole throughout Miami-Dade County. You can also contact the city's Community Planning and Development Department at 12300 NE 8th Avenue, North Miami, FL 33161.
Step 3: Get pre-approved for a first mortgage. Contact an approved lender through the HFA Miami-Dade program or the Florida Housing Finance Corporation's participating lender network. The HFA Miami-Dade program includes up to $15,000 in down payment assistance with your mortgage.
Step 4: Apply for the City of North Miami program. Submit your application to the City of North Miami Community Planning and Development Department. Applications are processed first-come, first-served while funding is available. You can receive up to $40,000 as a deferred 0% interest loan.
Step 5: Apply for additional county assistance. Apply to Miami-Dade County's Homebuyer Down Payment Assistance Program for up to $35,000, and the MDEAT Homeownership Assistance Program for up to $28,500. These programs can be stacked with the city program.
Step 6: Find a home within program limits. The City of North Miami program has a maximum purchase price of $460,000 under SHIP or $370,000 under HOME. Work with your real estate agent to find eligible properties within North Miami city limits.
Step 7: Close on your new home. Your lender and the city and county will coordinate to apply all approved assistance at closing. The city assistance is structured as a 0% interest deferred loan with no monthly payments.
Frequently Asked Questions
How much down payment assistance can I get in North Miami?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can buy with these programs?+−
What homebuyer education is required?+−
Are there programs that do not require a down payment?+−
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