Down Payment Assistance Resources:
📲 Stay Ready for When Funding Arrives
Register for a FREE HUD-Certified Home Buyer Workshop!
Schedule an appointment online with a Housing Counselor
📞 Call Us: 954-923-5001
📧 Email: HFAToday@gmail.com
📲 Download the Housing Foundation Home Search App — FREE on the App Store and Google Play. Get Priority Down Payment Assistance Alerts, view available listings, and stay one step ahead on your path to homeownership.
06/15/2026
Little Haiti Home Buyer Assistance Program
The Little Haiti Revitalization Trust (LHRT), in collaboration with the City of Miami’s Department of Housing and Community Development (HCD), offers financial assistance to eligible homebuyers to purchase a primary residence within the Little Haiti area. This assistance can be used for down payment and/or closing costs.
Purchase can be for single family home, condominium, town home or duplex with program preference for single-family home purchase;•Homebuyer must earn 80% to 120% of Area Median Income (AMI). Given home prices, households earning less than 80% will be impossible to finance sustainability, and monthly costs will not be affordable (below 30% of household income and a maximum debt-to-income ratio of 50%). See AMI chart.
• Primary applicant must have been a full-time resident of Little Haiti for at least the past two years.
• Applicant must not have filed for bankruptcy within the past 24 months.
• Eligible properties shall cost no more than $500,000 for single family homes and condominiums, and $1M for duplexes in which the borrower will also make their primary residence. The program final financing must provide monthly payment that is less than 30% of applicant’s annual household income. This standard should be the ultimate limit on what an applicant can apply for.
Little Haiti Revitalization Trust Forgivable Loan: 50% match up to 10% of the purchase price, and no more than $25,000 as required by primary lender. Applicant must supply remainder of the equity requirement and may utilize third party home ownership assistance programs.
• Homebuyer must attend an approved homeownership education program.
- Home must be located in Little Haiti.
- Must be primary, only residence.
- Buyer/recipient must live in the home for 20 years after purchase to achieve loan forgiveness.
- This loan is forgiven after 20 years of residence in the home.
- If the owner sells and/ or transfers the house before the end of the Trust’s mortgage term, the 4 following provisions will apply:
- The borrower will be required to repay the original amount given as assistance.
- The Trust shall share in any ‘gain’ realized, based on its pro-rated share ofparticipation in the original purchase. Furthermore, if the sales occur within the first3 years, the Trust shall keep 100% of its pro-rated share of the ‘gain’, from year 3 upto year 20, the Trust’s share of its pro-rated ‘gain’ shall decrease by 5% every year,while in turn, the owner’s share shall increase by 5% each year. At year 20, up to theTrust’s loan maturity, the owner shall retain 100% of the Trust’s ‘gain’.
- This above share gain proposal terminates in the event of a foreclosure, with thelender required to provide the Trust the right of first refusal to purchase the loan ata negotiated price. In the event of a foreclosure, the Trust will recapture any amountof net proceeds available from the sale of the property.
Little Haiti ("area") described as follows: beginning at the intersection of Northeast 54th Street and Northeast 4th Avenue, traveling westward along the mid-block line between Northeast 54th Street and the street parallel to the south until it meets Interstate I-95, then traveling northward along the center line of Interstate I-95 until meeting the boundary of the city, then turning and traveling eastward along the mid-block line to include the frontage of Northwest 79th Street until reaching North Miami Avenue, then traveling northward along North Miami Avenue until it reaches the Little River, then traveling eastward following the northern boundary of the city along the Little River until reaching Northeast 2nd Avenue, then traveling southward along
the mid-block line between Northeast 2nd Avenue and the street running parallel to the east including the eastern frontage of Northeast 2nd Avenue until reaching the northern boundary of Little Haiti Park, then following the park boundary until reaching Northeast 4th Avenue, then traveling south along the center line of Northeast 4th Avenue until reaching the beginning.
04/16/2026
03/13/2026
The Florida Hometown Heroes Housing (HTH) Program makes homeownership affordable for eligible workforce occupations. This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage interest rate and additional special benefits to those who have served and continue to serve their country.
Program Details:
- Eligible Borrowers who meet the occupational requirements, work full time, and are currently employed by a Florida-based employer can receive competitive market interest rates on an FHA, VA, RD, and Conventional first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.
- HTH 2025 Program shall be limited to the following borrowers (Click Here for Example Eligible Occupations):
- Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance.
- Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
Links:
Lender and Real Estate Agent Locator (please click here to connect with a loan officer in your area and get started.)
2025 Hometown Hero Program Income and Loan Limits
If you would like to hear from others who have been helped by our Hometown Heroes Program, please click here!
03/09/2026
Palm Beach County's Department of Housing and Economic Development has announced the Homebuyer Match Pilot Program — This program is designed to meet working families where they are and help bridge the financial gap that has kept so many residents from crossing the threshold into homeownership.
What Is the Homebuyer Match Pilot Program?
The Palm Beach County Department of Housing and Economic Development has made $2,000,000 available for Phase I of this pilot program. The concept is straightforward and powerful: the County will match your cash contribution toward your home purchase — dollar for dollar — up to $50,000.
Those funds can be applied toward down payment assistance, points buy-down, minor repairs, and closing costs. This is not just money on the table. This is Palm Beach County investing directly in you and your family's future.
Here is what you need to know about the purchase price limits:
- Single-family homes: Purchase price must not exceed $700,000
- Townhomes or condominiums: Purchase price must not exceed $325,000
Approved homebuyers are required to contribute a minimum of $10,000 of their own funds. That is the starting point — and the County will match every dollar you put in, up to $50,000.
Do You Qualify? Income Guidelines
This program serves both low-income and moderate-income households. Below are the eligible income categories based on household size:
If your household falls within these ranges, you may be eligible. Not sure where you stand? That is what we are here for. Connect with one of our HFA-certified housing counselors at www.homeapproved.org for a free one-on-one review of your finances and eligibility.
How the Application Process Works
This is a lottery-based program, and spots are limited. Here is the timeline you need to know:
The online pre-application portal opens Monday, March 30, 2026 at 8:00 AM and closes Monday, April 20, 2026 at 11:59 PM.
Palm Beach County will accept pre-applications to enter a random lottery selection process for 60 applications. That means time is of the essence — and preparation is everything. The more ready you are before that portal opens, the better your chances of moving forward quickly once selected.
Visit the Palm Beach County Department of Housing and Economic Development website for all required documents and additional program details.
Attend a Virtual Pre-Application Orientation — Hosted by Palm Beach County
Before applying, Palm Beach County encourages all interested applicants to attend one of the free Virtual Pre-Application Orientations. These sessions will walk you through the program requirements, the application process, and what to expect every step of the way.
Upcoming orientation dates:
- Thursday,
- March 12, 2026 at 10:00 AM
- Tuesday, March 17, 2026 at 2:00 PM
- Thursday, March 19, 2026 at 8:00 AM
- Tuesday, March 24, 2026 at 3:30 PM
Join via WebEx: https://pbc-gov.webex.com/pbc-gov/j.php?MTID=m85233c009fe20ffc5abde0050228d76e
Meeting Number / Access Code: 2318 510 4449 Password: V3UfV5CGSh3
Or join by phone: 1-904-900-2303 or (844) 621-3956
Get Prepared Now — Register for an HFA Homebuyer Workshop
Attending the County's orientation is a great first step. But before that portal opens on March 30th, the best thing you can do is make sure you are fully prepared. That means understanding your credit, knowing your budget, and having your documentation in order before the lottery even begins.
HFA's homebuyer workshops are designed to do exactly that. Whether you attend in person, virtually, or online through eHome America, our HUD-certified instructors will walk you through every aspect of the homebuying process — from budgeting and credit repair to mortgage basics and closing day.
Find upcoming workshop dates and register at: www.homeapproved.org/upcoming-events
Seats fill quickly. Do not wait.
HFA Is Here for You — Every Step of the Way
Housing Foundation of America is a HUD-Approved Housing Counseling Agency, and our services are free. Our certified counselors are ready to sit down with you one-on-one, review your financial picture, and build a personalized roadmap to homeownership — whether or not you are selected through the lottery.
If this program is not the right fit for you right now, we have access to down payment assistance programs across Palm Beach County and throughout South Florida. We will find the path that works for you.
Your home is possible. It has always been possible. This program is one more tool to help make it real.
Your Action List — Do This Today
📅 Check orientation dates and attend before March 30th — Hosted by Palm Beach County via WebEx (see dates above)
🏡 Register for an HFA Homebuyer Workshop
📋 Review your eligibility and get your documents ready — Visit the Palm Beach County HED website for the full program details and required documentation
📞 Connect with an HFA Housing Counselor
📲 Follow us on Instagram for updates — @hfoainc
02/26/2026
💰Up to $30,000 in Down Payment Assistance!
The Miramar Moderate-Income Down Payment Assistance Program (MIMA) offers eligible first-time homebuyers ⬇️
✅ Up to $30,000 in financial assistance
✅ Support for down payment and/or closing costs
✅ A deferred loan of up to 10% of the purchase price
✅ Assistance for homes located within Miramar city limits
This program is designed to reduce upfront barriers and help qualified buyers move forward with confidence.
Click Here For More Information!
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12/02/2025
Lee County HOME Down Payment Assistance Program (HOME DPA):
| Household Size | Max Household Income |
| 1 | $57,250 |
| 2 | $65,400 |
| 3 | $73,600 |
| 4 | $81,750 |
| 5 | $88,300 |
| 6 | $94,850 |
| 7 | $101,400 |
| 8 | $107,950 |
Click Here for additional program information
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Helpful Links
Bank of America’s Community Homeownership Commitment®
Bank of America Down Payment Center
Low Down Payment Loans
Bank of America Real Estate Center®
Bank of America First-Time Homebuyer Online Edu-Series™
Better Money Habits®
Helpful Information
Our Resources can help you understand the home buying process and your rights, provide you with information about the available down payment grants, help you locate resources in Miami-Dade, Broward, and Palm Beach counties, and much more.
Also check out our glossary to understand unfamiliar terms.
Select a County above to get started. Knowledge is Power!