Miami-Dade County · Subsidized loan

Miami-Dade SHIP

$80,000

Up to $80,000. $50/month for first 10 years, then 4% for remainder.

Florida's SHIP (State Housing Initiatives Partnership) distributes funds to all 67 counties and dozens of cities for locally-administered DPA programs. SHIP amounts and terms vary by county, with some offering $20,000-$60,000 in assistance. Contact your county's housing department to learn your local SHIP program details.

Amount$80,000

TypeSubsidized 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

All Florida programs →

Get your free stacking strategy

We'll show you how to combine Miami-Dade SHIP 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 →

All Florida programs →