See programs you qualify for

By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026

Homebuyer Programs in Sunrise, FL (2026)

Population: 101,000 | Median home price: $385,000 | Est. closing costs: $7,500 - $11,500

Sunrise is a city of over 100,000 residents in Broward County, just west of Fort Lauderdale in South Florida. With a median home price around $385,000, buyers here can tap into several layers of assistance. The City of Sunrise Purchase Assistance Program offers $10,000 to $30,000 in forgivable loans funded through the state SHIP program, while the Broward County Homebuyer Purchase Assistance Program provides up to $80,000 as a 0% interest deferred loan. Statewide options like the Florida Hometown Heroes program add up to $35,000 for eligible frontline workers. By combining city, county, state, and federal programs, Sunrise buyers can potentially stack over $100,000 in down payment and closing cost assistance.

City Programs in Sunrise

Program Name	Type	Amount	First-Time Only	Details
City of Sunrise Purchase Assistance Program	Forgivable Loan	$10,000 to $30,000 depending on income	Yes	View →

City of Sunrise Purchase Assistance Program

Type:: Forgivable Loan
Amount:: $10,000 to $30,000 depending on income
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 →
Neighborhood Housing Services of South Florida Homebuyer Program	Deferred Loan	Down payment and closing cost assistance available	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

Neighborhood Housing Services of South Florida Homebuyer Program

Type:: Deferred Loan
Amount:: Down payment and closing cost assistance available
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 Sunrise. See which ones you qualify for.

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housebuyerguides

How to Apply

Step 1: Check your eligibility. Your household income must be at or below 80% of the Area Median Income (AMI) for Broward County, and you must be a first-time homebuyer (no homeownership in the past 3 years). The maximum purchase price is $636,806.

Step 2: Complete homebuyer education. Attend a mandatory 8-hour HUD-approved homebuyer education workshop. The Urban League of Broward County offers this course on the 2nd Saturday of each month. Contact them at (954) 584-0777 to register.

Step 3: Contact the City of Sunrise Grants Division. Reach out at (954) 572-2315 or housing@sunrisefl.gov to learn about the current application window and begin your application for the Sunrise Purchase Assistance Program.

Step 4: Apply for the Broward County Homebuyer Purchase Assistance Program. Contact the Broward County Housing Finance Division at (954) 357-4900 to apply for up to $80,000 in additional assistance, which can be layered with the Sunrise city program.

Step 5: Get pre-approved for a mortgage. Work with an FHA, VA, USDA, or conventional lender. The Sunrise assistance can be paired with any of these loan types.

Step 6: Find a home within Sunrise city limits. The property must be a single-family home, townhome, villa, or condo priced at or below $636,806 and located within Sunrise municipal boundaries.

Step 7: Submit your complete application. Your lender will submit the funding package to the city and county. The county approval process typically takes 5-6 weeks once a complete package is submitted.

Frequently Asked Questions

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

Sunrise buyers can stack multiple programs for significant assistance. The City of Sunrise Purchase Assistance Program offers $10,000 to $30,000 as a forgivable loan. The Broward County Homebuyer Purchase Assistance Program provides up to $80,000 as a 0% interest deferred loan. The Florida Hometown Heroes program offers up to $35,000 for eligible frontline workers. Combined with federal options like FHA loans (3.5% down) or VA loans (0% down), buyers can potentially cover their entire down payment and closing costs.

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

Yes, both the City of Sunrise and Broward County programs require you to be a first-time homebuyer, defined as someone who has not owned a home in the past 3 years. However, federal programs like FHA and VA loans do not have this restriction, and the Florida Hometown Heroes program uses the same 3-year definition.

What is the maximum home price I can pay?+

The maximum purchase price for both the City of Sunrise and Broward County programs is $636,806 for eligible areas. This covers the vast majority of homes currently on the market in Sunrise, where the median home price is around $385,000.

What homebuyer education is required?+

You must complete a mandatory 8-hour HUD-approved homebuyer education workshop before receiving assistance. The Urban League of Broward County offers this course monthly on the 2nd Saturday. Contact them at (954) 584-0777 to register. The course covers budgeting, credit, the lending process, and home maintenance.

When can I apply for the Sunrise Purchase Assistance Program?+

The City of Sunrise typically opens applications once per year, usually in March. For 2026, applications are open from March 4 through March 31, 2026, or until 100 applications are received, whichever comes first. Contact the Grants Division at (954) 572-2315 or housing@sunrisefl.gov for the most current information.

Can I combine the Sunrise city program with the Broward County program?+

Yes, the City of Sunrise Purchase Assistance Program and the Broward County Homebuyer Purchase Assistance Program can be layered together. This means eligible buyers could receive up to $30,000 from the city plus up to $80,000 from the county, totaling up to $110,000 in combined local assistance. Both are structured as 0% interest deferred loans.