Homebuyer Programs in Pembroke Pines, FL (2026)
Pembroke Pines is a family-friendly city in western Broward County, Florida, consistently ranked among the best places to live in the state. With a median home price around $530,000, buying here requires careful planning, but several powerful assistance programs can help. The City of Pembroke Pines First-Time Homebuyer Purchase Assistance Program offers up to $75,000 as a zero-interest deferred loan that converts to a grant after 10 years, while the Broward County Homebuyer Purchase Assistance Program provides up to $80,000 in additional deferred-loan assistance. Buyers can also benefit from the Broward County Mortgage Credit Certificate Program for up to $2,000 per year in federal tax credits, plus state programs like Florida Hometown Heroes (up to $35,000) and the Florida Assist program ($10,000). By stacking city, county, and state programs, eligible Pembroke Pines buyers could access well over $100,000 in combined down payment and closing cost assistance.
Top Homebuyer Programs in Pembroke Pines
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Pembroke Pines First-Time Homebuyer Purchase Assistance Program | Deferred Loan | Up to $75,000 for households at or below 80% AMI; up to $50,000 for households between 81% and 140% AMI | Yes | 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 $75,000 for households at or below 80% AMI; up to $50,000 for households between 81% and 140% AMI
- First-time only:
- Yes
- 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 Pembroke Pines program requires household income at or below 140% of AMI for the Broward County area (as of April 2025, median family income is $96,200). You must be a first-time homebuyer, meaning you have not owned a home in the past 3 years.
- Step 2:
Complete homebuyer education. Attendance at a Pembroke Pines-approved pre-purchase homeownership counseling course within the past 12 months is required. The Housing Foundation of America at 2400 N University Drive, Suite 200, Pembroke Pines offers HUD-approved workshops. Contact them at 954-923-5001. The Urban League of Broward County also offers free counseling at 954-584-0777.
- Step 3:
Contact Community Redevelopment Associates of Florida (CRAFLA) at 954-431-7866 or toll-free at 1-877-CRAFLA1 to start your application for the City of Pembroke Pines program. Their office is at 8569 Pines Boulevard, Pembroke Pines, FL 33024.
- Step 4:
Apply for the Broward County Homebuyer Purchase Assistance Program through the county's Housing Finance and Community Development Division. You will need to contribute 1% of the down payment 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 program price limits. The city program allows homes up to $679,324 (SHIP funds) or $418,000 (HOME funds). The Broward County program caps at $636,806. The property must be within Pembroke Pines city limits for the city program.
- Step 7:
Submit your applications with the executed purchase contract, pre-approval letter, and income and asset documentation. Funding is available on a first-come, first-qualified basis, so apply promptly once you are under contract.