Florida program
Florida route through Miami-Dade County Public Housing and Community Development. Use this page to confirm the core public facts first, then decide whether you need deeper comparison output and lender-call prep.
Decision-ready public facts
Quick answer from published facts. Go to Florida program hub
An interest-free deferred loan of up to $35,000 for a first home.
Deferred second mortgage
The official page states the award is a deferred loan for up to 30 years with no interest and no monthly payment. The unpaid balance becomes due upon sale, transfer of title, refinance, or death.
Required
Program guide
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
First-time homebuyers, Miami-Dade County residents
An interest-free deferred loan of up to $35,000 for a first home.
The official page states the award is a deferred loan for up to 30 years with no interest and no monthly payment. The unpaid balance becomes due upon sale, transfer of title, refinance, or death.
Complete HUD-certified homebuyer counseling and approved homebuyer education, contribute at least 1% of the purchase price from the buyer's own funds, and apply as a Miami-Dade resident through the County program pathway described on the official page.
The official Miami-Dade County page states that the program offers an interest-free loan of up to $35,000 and that the deferred balance is due upon sale, transfer, refinance, or death.
2026-04-19
Effective date not captured.
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Comparison preview
Amount: An interest-free deferred loan of up to $35,000 for a first home.
Repayment: The official page states the award is a deferred loan for up to 30 years with no interest and no monthly payment. The unpaid balance becomes due upon sale, transfer of title, refinance, or death.
First-time buyer: Required
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Paid research preview
Paid research already tracks city and county programs, specialty and conditional paths for Florida.
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2 tracked
City and county down payment or closing-cost programs that never make it into the free statewide layer.
3 tracked
Conditional, paused, or specialty paths worth checking before you assume the state is a dead end.
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