See programs you qualify for

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

Homebuyer Programs in Pompano Beach, FL (2026)

Population: 113,000 | Median home price: $355,000 | Est. closing costs: $7,000 - $10,500

Pompano Beach is a coastal city in Broward County, Florida, located just north of Fort Lauderdale, with a median home price around $355,000. The City of Pompano Beach First-Time Homebuyer Program offers up to $40,000 in zero-interest deferred loans (or up to $55,000 through the NSP track for households between 50-120% AMI), and the loan converts to a full grant after 20 years of compliance. At the county level, the Broward County Homebuyer Purchase Assistance Program provides up to $80,000 in deferred loan assistance, and the Broward County Mortgage Credit Certificate Program offers up to $2,000 per year in federal tax credits. State programs like the Florida Hometown Heroes Program add up to $35,000 more. By stacking city, county, and state assistance, eligible Pompano Beach buyers can access well over $100,000 in combined support.

City Programs in Pompano Beach

Program Name	Type	Amount	First-Time Only	Details
City of Pompano Beach First-Time Homebuyer Program	Deferred Loan	Up to $40,000 (FTHB) or up to $55,000 (NSP for 50-120% AMI households)	Yes	View →

City of Pompano Beach First-Time Homebuyer Program

Type:: Deferred Loan
Amount:: Up to $40,000 (FTHB) or up to $55,000 (NSP for 50-120% AMI households)
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 Pompano Beach. See which ones you qualify for.

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How to Apply

Step 1: Check your eligibility. Most programs require household income at or below 120% of Area Median Income for Broward County. The City of Pompano Beach program requires a minimum credit score of 600 and first-time buyer status (no homeownership in the past 3 years).

Step 2: Complete homebuyer education. A HUD-approved homebuyer education course is required. Oasis of Hope CDC in Pompano Beach (954-586-1283) offers free homebuyer education classes and pre-purchase housing counseling at 351 South Cypress Road, Suite 301.

Step 3: Get pre-qualified for a first mortgage. Work with a lender to obtain a pre-qualification letter. You will need a purchase contract in place before applying for city assistance.

Step 4: Submit your inquiry. Complete the online Inquiry Form on the City of Pompano Beach OHUI website. Once pre-qualified with a contract in hand, you can proceed to the full application through the Neighborly online portal.

Step 5: Apply for county assistance. Contact Broward County Housing Finance Division at 954-357-4900 to apply separately for the Broward County Homebuyer Purchase Assistance Program (up to $80,000) and the Mortgage Credit Certificate Program.

Step 6: Close on your home. Allow a minimum of 30 days for the city to process your application. Your housing counselor and lender will coordinate the closing with all assistance layers.

Frequently Asked Questions

How much down payment assistance can I get in Pompano Beach?+

Pompano Beach buyers can stack multiple programs. The City of Pompano Beach First-Time Homebuyer Program offers up to $40,000 (or up to $55,000 through the NSP track). The Broward County Homebuyer Purchase Assistance Program adds up to $80,000. The Broward County Mortgage Credit Certificate Program provides up to $2,000 per year in tax credits. The Florida Hometown Heroes Program offers up to $35,000. Combined, eligible buyers could access over $120,000 in total assistance.

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

The City of Pompano Beach program requires first-time buyer status, defined as not having owned a principal residence in the past 3 years. However, the Broward County Homebuyer Purchase Assistance Program and the Florida Hometown Heroes Program also serve veterans regardless of prior ownership. Check each program individually for its specific requirements.

What is the maximum home price I can pay?+

The City of Pompano Beach program does not publish a specific purchase price cap, but city assistance cannot exceed 50% of the purchase price. The Broward County program follows HUD HOME program limits which vary by property type. For the Florida Hometown Heroes Program, limits are set by Florida Housing Finance Corporation and vary by county.

What homebuyer education is required?+

Most programs require a HUD-approved homebuyer education course. Oasis of Hope CDC in Pompano Beach (954-586-1283) offers free classes and is a HUD-approved housing counseling agency. You will receive a certificate upon completion, which is required for down payment assistance applications.

How long does it take to get approved?+

The City of Pompano Beach requires a minimum of 30 days to process applications. You must already be pre-qualified with a first mortgage lender and have a purchase contract in place before submitting your application. County programs have their own processing timelines, so plan accordingly and start the process early.

What credit score do I need?+

The City of Pompano Beach First-Time Homebuyer Program requires a minimum credit score of 600. The Broward County programs and Florida state programs may have different minimums depending on the loan type. Contact Oasis of Hope CDC at 954-586-1283 for free credit counseling if your score needs improvement.