Miami-Dade County First-Time Homebuyer Program – Florida Housing Finance Program

The Miami-Dade County First-Time Homebuyer Program helps increase homeownership accessibility through innovative financial tools, including grants, tax credits, mortgage options, and down payment assistance. It supports a wide range of residents in Florida, including low-income families, rural households, veterans, teachers, and first-time buyers.

These programs are managed by housing finance agencies, city-level initiatives, and nonprofit organizations. They foster equitable housing by addressing income disparities, housing shortages, and the rising cost of homeownership.

• Must be a homebuyer in the state of Florida

• Must meet program-specific income, credit, and residency criteria

• First-time or repeat buyers may be eligible depending on the program

• Completion of an approved homebuyer education course may be required

• Property must typically be used as the borrower's primary residence

• Financial support for down payments and closing costs

• Access to below-market interest rates or tax savings

• Encourages long-term homeownership for underrepresented populations

• May include deferred, forgivable, or second mortgage options

• Expands access to affordable housing in urban and rural communities

1. Check eligibility and program fit via the official website or housing agency

2. Contact an approved lender or housing counselor for next steps

3. Complete financial review and required education programs

4. Submit your application with necessary documents

5. Receive approval and proceed with home purchase or refinance