City of West Palm Beach First-Time Homebuyers Program

Administered by: City of West Palm Beach Department of Housing and Community Development · City · Forgivable Loan

Funding status: Active

How much assistance

Up to $100,000 (Forgivable Loan)

Zero-interest deferred loan forgiven at the end of the 30-year loan maturity, conditioned on living and remaining in the home for the entire term. If conditions are not met, a portion of the loan must be repaid.

Eligibility

  • Income limits: Income eligible based on household size and HUD income limits
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Geographic restrictions: Property must be located within West Palm Beach city limits.
  • Homebuyer education required: Yes

How to Apply for City of West Palm Beach First-Time Homebuyers Program

Step 1: Contact the City of West Palm Beach Department of Housing and Community Development. Complete at least 8 hours of HUD-approved homebuyer education. Obtain a first mortgage loan pre-approval from a lender before applying. Note: For homes in West Palm Beach, you must first apply through the city program before seeking Palm Beach County assistance.

Visit program website

Notes

Funded through SHIP and HOME funds. Demand is extremely high and application portals may close quickly when funding cycles open. Apply early.

Cities Where This Program Is Available