Miami-Dade County Homebuyer Loan Program (HLP)

Administered by: Miami-Dade County Public Housing and Community Development (PHCD) · County · Zero-Interest Loan

Funding status: Active

How much assistance

Up to $100,000 at 1% interest or $80,000 at 2% interest (Zero-Interest Loan)

Rate based on vulnerability ranked areas. 30-year loan term.

Eligibility

  • Income limits: Must not exceed income limits set by Miami-Dade County for low- and moderate-income families.
  • First-time buyer required: No
  • Geographic restrictions: Must be a Miami-Dade County resident at time of application.
  • Homebuyer education required: Yes

How to Apply for Miami-Dade County Homebuyer Loan Program (HLP)

Step 1: Must be employed in the same line of work for at least 24 months. Have good established credit history. Be approved by a participating lender. Contact PHCD at 786-469-4100.

Visit program website

Notes

Created in 2015 to encourage homeownership for low- and moderate-income families.

Cities Where This Program Is Available