Florida Hometown Heroes in Miami-Dade County, Florida
Hometown Heroes gives up to 5% of the total first mortgage loan amount (minimum $10,000, maximum $35,000), for down payment and closing costs (0% interest, non-amortizing, 30-year deferred second mortgage). In Miami-Dade County the income limit is $204,300 (FHA, VA or HFA Advantage first mortgage, any household size) and $131,200 (USDA first mortgage, any household size), per Florida Housing Finance Corporation's limits table (see the effective-date note below).
Program status, checked November 14, 2026
Funding status unclear
The agency's February 27, 2026 release said all funding for the 2025-2026 fiscal year was committed. Its Hometown Heroes page does not say whether new funding is available. Ask a participating lender before you count on it.
Florida Assist: A separate Florida Housing second mortgage of up to $10,000. No pause or out-of-funds notice appears on the agency's homebuyer page (checked November 14, 2026) source
Status source. Funding and pauses change without notice; confirm with a participating lender.
Hometown Heroes income limits in Miami-Dade County
| Household | Income limit |
|---|---|
| FHA, VA or HFA Advantage first mortgage, any household size | $204,300 |
| USDA first mortgage, any household size | $131,200 |
The agency's table prints one income limit for all household sizes.
Source: Florida Housing Finance Corporation limits table. Effective: Effective with reservations as of 5/06/2026 (Hometown Heroes TBA lender guide dated 6.30.26; PDF rev 7-13-2026).
What Hometown Heroes gives and the rules
Amount: Up to 5% of the total first mortgage loan amount (minimum $10,000, maximum $35,000), for down payment and closing costs.
Form: 0% interest, non-amortizing, 30-year deferred second mortgage; not forgivable; due in full on sale of the property, refinancing of the first mortgage, transfer of deed, or if the owner no longer occupies it as a primary residence.
- First-time buyer: required.
- Must pair with: A Florida Housing first mortgage: FHA, VA, USDA-RD or conventional (Freddie Mac HFA Advantage), per the 2026 limits table.
- Eligible borrowers: a person employed full-time by a Florida-based employer as a health care worker, school staff member, first responder, public safety or court employee, or child care worker; a servicemember of the U.S. military or reserves, the Coast Guard or its reserves, or the Florida National Guard; or a veteran employed full-time by a Florida-based employer (agency page, 2026).
- Participants must be employed full-time and currently employed by a Florida-based employer; only one borrower must qualify with an eligible employer (lender guide occupations list, 6.30.26).
- Veterans must have been discharged under other than dishonorable conditions from an eligible branch (lender guide occupations list).
- Purpose: buy a primary residence in the community where the borrower works and serves; first mortgage has reduced upfront fees and no origination or discount points (agency page).
- There is no cost to apply.
How to apply
Through a Florida Housing approved participating lender, found with the agency's Lender and Real Estate Agent Locator. Find a participating lender
Check your household
These limits are set by Florida Housing Finance Corporation, not HUD. Miami-Dade County HUD income limits → Miami-Dade County first-time buyer programs →
Frequently asked questions
What is the Hometown Heroes income limit in Miami-Dade County?
FHA, VA or HFA Advantage first mortgage, any household size: $204,300; USDA first mortgage, any household size: $131,200. The agency's table prints one income limit for all household sizes. Per Florida Housing Finance Corporation's limits table (Effective with reservations as of 5/06/2026 (Hometown Heroes TBA lender guide dated 6.30.26; PDF rev 7-13-2026)).
What is the Hometown Heroes purchase price limit in Miami-Dade County?
The Florida Housing Finance Corporation table this page uses lists no purchase price limit for Miami-Dade County. Loan limits as printed (no purchase price limit is published in the table): FHA loan limit 667000; conventional (HFA Advantage) and VA loan limit 832750.
Is Hometown Heroes open right now?
Funding status unclear. The agency's February 27, 2026 release said all funding for the 2025-2026 fiscal year was committed. Its Hometown Heroes page does not say whether new funding is available. Ask a participating lender before you count on it. Florida Assist: A separate Florida Housing second mortgage of up to $10,000. No pause or out-of-funds notice appears on the agency's homebuyer page. Checked November 14, 2026; confirm with a participating lender before you rely on it.
Sources
- 2026 Income & Maximum Loan Limits for TBA (effective with reservations as of 5/06/2026)
- Hometown Heroes program page
- Eligible employers and occupations (lender guide 6.30.26)
- Press release 2/27/2026: 2025-2026 funding committed
- Florida Housing Finance Corporation
Checked November 14, 2026. Every figure above is copied from the agency documents listed here; we do not compute or estimate limits.
Other counties for Hometown Heroes
General information, not lending advice. Program rules, limits and funding change; confirm with Florida Housing Finance Corporation and a participating lender.
Miami-Dade County overview