Homebuyer Programs in Weston, FL (2026)
Weston is an affluent planned community in western Broward County, Florida, known for its top-rated schools, family-friendly neighborhoods, and proximity to the Everglades, with a population of approximately 71,000 and a median home price around $700,000. The City of Weston Homebuyer Purchase Assistance Program offers up to $120,000 in down payment and closing cost help through a 0% interest, deferred second mortgage forgiven after 15 years. Buyers can also tap the Broward County Homebuyer Purchase Assistance Program for up to $80,000 and the Broward County Mortgage Credit Certificate for up to $2,000 per year in tax savings. At the state level, the Florida Hometown Heroes program provides up to $35,000 and the Florida Assist program offers $10,000. By stacking city, county, and state programs, eligible Weston homebuyers could access well over $150,000 in combined assistance.
Top Homebuyer Programs in Weston
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| City of Weston Homebuyer Purchase Assistance Program | Deferred Loan | Up to $120,000 based on financial need | 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 → |
| 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 → |
| 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 $120,000 based on financial need
- 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:
- Down payment and closing cost assistance available
- 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 Weston program requires household income at or below 80% of Area Median Income for Broward County. You must not have owned a home in the past 3 years for most programs.
- Step 2:
Complete homebuyer education. Take a HUD-approved 8-hour First-Time Homebuyer course. The Urban League of Broward County holds monthly workshops on the second Saturday of each month and can be reached at 954-584-0777. Neighborhood Housing Services of South Florida also offers HUD-certified courses at 305-751-5511.
- Step 3:
Get pre-approved for a mortgage. Work with a lender that meets Broward County guidelines. Ask about Florida Housing Finance Corporation loan products like the Hometown Heroes and Florida Assist programs, which can be layered with local assistance.
- Step 4:
Find a home in Weston within program limits. Search for eligible properties including single-family homes, villas, townhomes, and condos within city limits. Contact the Broward County Housing and Urban Planning Division at 954-357-4943 for current purchase price limits.
- Step 5:
Apply through Broward County. Your lender submits the application to the Broward County Housing and Urban Planning Division on your behalf. You must contribute at least 3% of the purchase price toward closing, of which up to 2% may come from a gift.
- Step 6:
Complete the income certification and funding process. The county's review and funding process typically takes 5 to 6 weeks once the lender submits a complete package.
- Step 7:
Close on your new home. Your assistance funds will be applied at closing as a 0% interest, deferred second mortgage. Continue to live in the home as your primary residence to maintain forgiveness terms over the 15-year period.