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Miami-Dade County Down Payment Assistance Program

Florida route through Miami-Dade County Public Housing and Community Development. This page stays free for the core public facts. Open paid access only when you need the full state board, related paths, and the decision layer around this program.

Deferred second mortgage Check official rules 2026-04-20
Agency Miami-Dade County Public Housing and Community Development
Support type Deferred second mortgage
Amount highlight Miami-Dade says the county program can provide up to $35,000 as a 0% deferred loan for down payment, closing costs, and prepaid items.
Last verified 2026-04-20

Use carefully

Program is deferred debt plus temporary resale-profit sharing

This page stays public because the official structure is still useful, but these details should not be flattened into fake certainty.

This is not a forgivable grant. Miami-Dade uses a 0% deferred county loan and also takes a share of resale profit during the first six years under the current guidelines.

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Amount

Miami-Dade says the county program can provide up to $35,000 as a 0% deferred loan for down payment, closing costs, and prepaid items.

Type

Deferred second mortgage

0% deferred county loan with shared-equity recapture

Repayment

Miami-Dade describes the aid as a 0% deferred loan with no monthly payments for up to 30 years. The unpaid balance becomes due at maturity or earlier if the home is sold, title is transferred, the first mortgage is refinanced, or the borrower dies. The 2024-09-16 guidelines also add a resale-profit sharing schedule: years 1 through 3 require 100% of resale profit to be shared with the county, years 4 through 6 require 50%, and after year 6 the resale-profit sharing ends.

First-time buyer

Required

Program guide

What to know before you click through

This is still the free fact layer. Open the official source when a detail affects eligibility, repayment, lender choice, or whether this path should stay on your shortlist.

Who qualifies?

First-time homebuyers, Miami-Dade County residents, Households within current county income limits

What support do you get?

Miami-Dade says the county program can provide up to $35,000 as a 0% deferred loan for down payment, closing costs, and prepaid items.

Do you repay it?

Miami-Dade describes the aid as a 0% deferred loan with no monthly payments for up to 30 years. The unpaid balance becomes due at maturity or earlier if the home is sold, title is transferred, the first mortgage is refinanced, or the borrower dies. The 2024-09-16 guidelines also add a resale-profit sharing schedule: years 1 through 3 require 100% of resale profit to be shared with the county, years 4 through 6 require 50%, and after year 6 the resale-profit sharing ends.

How do you apply?

Work with an approved lender, complete 8 hours of HUD-approved homebuyer education, contribute at least 1% of the purchase price from the buyer's own funds, complete the county interview and document package, and use a fixed-rate first mortgage that keeps total CLTV within county limits.

Application timing

The process starts with a PHCD initial interview; any predetermination letter must be taken to the first mortgage lender within 30 days, and PHCD requires two days' closing notice plus at least seven working days to process and disburse funds.

Official source evidence

The current county page and the 2024-09-16 guidelines say Miami-Dade can provide up to $35,000 as a 0% deferred loan with no monthly payments, and the guidelines add the county's resale-profit sharing schedule during the first six years after purchase.

View official source

Last verified

2026-04-20

2024-09-16

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Comparison preview

Miami-Dade County Down Payment Assistance Program

Amount: Miami-Dade says the county program can provide up to $35,000 as a 0% deferred loan for down payment, closing costs, and prepaid items.

Repayment: Miami-Dade describes the aid as a 0% deferred loan with no monthly payments for up to 30 years. The unpaid balance becomes due at maturity or earlier if the home is sold, title is transferred, the first mortgage is refinanced, or the borrower dies. The 2024-09-16 guidelines also add a resale-profit sharing schedule: years 1 through 3 require 100% of resale profit to be shared with the county, years 4 through 6 require 50%, and after year 6 the resale-profit sharing ends.

First-time buyer: Required

Timing: The process starts with a PHCD initial interview; any predetermination letter must be taken to the first mortgage lender within 30 days, and PHCD requires two days' closing notice plus at least seven working days to process and disburse funds.

Risk checks preview

What gets flagged before you call a lender

  • Miami-Dade County Down Payment Assistance Program requires a participating lender.
  • Miami-Dade County Down Payment Assistance Program must be paired with a specific first mortgage.

Lender questions preview

Questions tied to this exact path

  • Is your team approved to originate Miami-Dade County Down Payment Assistance Program for this household and loan setup?
  • Which first-mortgage product must be paired with Miami-Dade County Down Payment Assistance Program, and what breaks eligibility?

Action checklist preview

What you would do next

  • Confirm the first-time buyer definition before you apply
  • Review the official Miami-Dade Homebuyer DPA page for Miami-Dade County Down Payment Assistance Program
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