City of Fort Lauderdale First-Time Homebuyers Program

Administered by: City of Fort Lauderdale Housing and Community Development Division · City · Deferred Loan

Funding status: Active

How much assistance

Up to $75,000 (Deferred Loan)

Zero-interest deferred-payment second mortgage with no monthly payments. Loan is forgiven after 15 years of owner-occupancy. Due upon sale, refinance, or transfer before the affordability period ends.

Eligibility

  • Income limits: Household income at or below 80% of Area Median Income (AMI)
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Credit score minimum: 660
  • Geographic restrictions: Property must be within Fort Lauderdale city limits.
  • Homebuyer education required: Yes

How to Apply for City of Fort Lauderdale First-Time Homebuyers Program

Step 1: Contact the First-Time Homebuyers Program at 954-828-4527. Buyers must contribute at least $1,000 or 1% of the purchase price from personal funds. Complete HUD-approved homebuyer education prior to application.

Visit program website

Notes

Eligible property types include single-family homes, condos, and townhomes. Funded through federal HOME and CDBG allocations.

Cities Where This Program Is Available