Miami-Dade County · 1% interest loan

Miami-Dade HLP

$100,000

Up to $100,000 at just 1% interest for qualifying families.

The City of Miami's homebuyer loan program provides DPA for purchases within city limits. Miami proper — distinct from Miami-Dade County — offers city-level assistance that targets the urban core's diverse neighborhoods from Wynwood to Little Havana to Liberty City.

Amount$100,000

Type1% interest loan

Available inFlorida

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleSingle-family only

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

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