Miami-Dade County · Deferred 0% loan

HFA of Miami-Dade

$15,000

$15,000 deferred at 0%. Works on 1-4 unit properties — ideal for house hacking.

Miami-Dade County's housing finance authority provides DPA specifically for buyers in the county. Miami's housing market — median prices exceeding $500,000 — creates unique affordability challenges. The county-level program supplements state programs and can potentially be stacked with Florida Housing assistance.

Amount$15,000

TypeDeferred 0% loan

Available inFlorida

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

1-4 units eligible. Buy a fourplex with FHA + $15K. Live free, rent 3 units.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Florida Hometown Heroes $35,000

Florida · Deferred 0% loan

Florida Assist $10,000

Florida · Deferred 0% loan

Florida 3-4-5% Forgivable Loan $10,000

Florida · Forgivable loan

All Florida programs →

Get your free stacking strategy

We'll show you how to combine HFA of Miami-Dade with other programs to maximize your free money — personalized to your ZIP code and income.

Or get matched with a lender who knows this program →

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