HFA Miami-Dade Mortgage Program

Administered by: Housing Finance Authority of Miami-Dade County · County · Deferred Loan

Funding status: Active

How much assistance

Up to $15,000 (Deferred Loan)

30-year deferred, 0% interest second mortgage. Must be repaid upon sale, refinance, or transfer of ownership.

Eligibility

  • Income limits: 1-2 persons: up to $130,525; 3+ persons: up to $136,200.
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Credit score minimum: 640
  • Geographic restrictions: Home must be located in Miami-Dade County.
  • Homebuyer education required: Yes

How to Apply for HFA Miami-Dade Mortgage Program

Step 1: Complete 8-hour HUD-approved homebuyer education course. Apply through an HFA-approved lender. Must be employed in same line of work for 24 months.

Visit program website

Cities Where This Program Is Available