Down Payment Assistance

The State of Florida and many local jurisdictions to include Miami-Dade and Broward counties, provide down payment assistance to first-time homebuyers and low- and moderate-income homebuyers (local authorities such as the City of Miami, City of Fort Lauderdale, and others also provide subsidies). Down payment assistance programs assist homebuyers with either financial support to purchase a home either with down payment or closing cost assistance.

Typically, there are income limits based on total household income, household composition, and size, as well as a requirement to provide a complete set of documents to support the application.

This is what you need to know if you want to get homebuyer assistance from South Florida authorities.

The NHSSF housing counselor can assist you in understanding eligibility guidelines and how the programs work. It is important to note that, at times, funding may not be available. For the Miami-Dade County Public Health and Community Development (PHCD) and Miami-Dade Economic Advocacy Trust (MDEAT), NHSSF is a designated Housing Counseling Agency.

In order to receive assistance, applicants must complete an 8-hour Homebuyer Certificate Workshop prior to closing (and provide a complete set of documents to support the application). NHSSF is a HUD-certified housing counseling agency.


Miami-Dade County

PHCD Homebuyer Program


Miami City Housing & Community Development

North Miami City Housing & Community Development

Broward County

Florida Housing Corporation



Online there are many available educational tools and resources to make our lives better. We have curated a list with the best free resources and tools available to help you manage your finances, find down payment assistance, move to online banking, track your daily spending, and much more.


Financial Fitness for the Elderly

Visit AARP & Chase Foundation app to be more confident using technology to manage your finances and stay informed on how to avoid scams or frauds.


Financial Fitness for Youth and Family

Regions Bank has compiled some tools to motivate all family members to take positive strides towards an achievable and knowledgeable financial management.


Property Tax Info for First-Time Homebuyers

Whether you’re buying your first house or buying for the first time in Florida, you should have an overview of Florida’s property tax system and how the tax system applies to your new first home.

Information regarding homestead exemption can be found here.