Broward County, FL First-Time Home Buyer Programs and Down Payment Help
Broward County buyers can apply to 2 local down payment programs, with help up to $120,000 through Homebuyer Purchase Assistance (HPA) Program, on top of Florida's statewide programs. Figures below were read from the administering agencies' own pages on September 11, 2026.
Local programs in Broward County
These are run by Broward County (and participating municipalities), Broward County, separate from the state housing finance agency, and can usually be combined with a state loan. Check the program page for current funding before you apply.
| Program | Type | Amount | Income limit | First-time only | Where |
|---|---|---|---|---|---|
| Homebuyer Purchase Assistance (HPA) Program Limited funds Broward County (and participating municipalities) (Broward County Housing and Urban Planning Division) · source | deferred second mortgage (down payment/closing cost/principal reduction/rate buydown assistance) | Up to $50,000-$120,000 per property depending on community (most cities/unincorporated BMSD up to $80,000; Weston up to $120,000; some communities up to $50,000 or $75,000) | 80% of AMI for most participating communities (Coconut Creek and Cooper City use 120% of AMI); | Yes | Property must be in a participating Broward municipality or unincorporated Broward (BMSD); |
| Mortgage Credit Certificate (MCC) Program Broward County (Broward County Housing and Urban Planning Division) · source | federal income tax credit (not a cash down payment grant) | Tax credit against a share of annual mortgage interest paid (percentage set by program guide, not stated on the summary page) | Program income limits per the MCC Information Guide (not itemized on the summary page) | Yes | Broward County |
- Homebuyer Purchase Assistance (HPA) Program. Status: open, but the flyer notes 'NO FUNDS' currently reserved in most communities pending a new allocation expected November 2026 Applied for through a participating lender, not directly by the buyer; buyer may not have owned residential property in the prior 3 years; must occupy as primary residence; must complete a HUD-approved homebuyer education class;
- Mortgage Credit Certificate (MCC) Program. Reduces the buyer's federal tax liability rather than providing cash at closing; full terms are in the County's MCC Information Guide (linked from broward.org/Housing). Call 954-357-4900 for current terms.
Income limits in Broward County
Down payment programs here are keyed to HUD's income limits for Fort Lauderdale, FL HUD Metro FMR Area (Broward County) (fiscal year 2026): the 80% limit that most programs use is $101,400 for a four-person household. Limits scale with household size; each program page has the full table. HUD income limits
Florida statewide programs you can also use in Broward County
Florida Housing Finance Corporation (Florida Housing) (homebuyer programs page) runs 4 statewide programs open to buyers anywhere in Florida, with down payment help up to $35,000 through Florida Hometown Heroes Housing Program. Most local programs above can be combined with a state first mortgage; check each program's pairing rule.
| Program | Type | Amount | First-time only | Min. credit | Income limit |
|---|---|---|---|---|---|
| Florida Assist (FL Assist) source | Deferred second loan | Up to $10,000 | Yes | 640 | See program page |
| Florida Homeownership Loan Program (FL HLP) Second Mortgage source | Second mortgage | $12,500 | Yes | 640 | See program page |
| HFA Preferred / HFA Advantage PLUS Second Mortgage source | Forgivable second loan | 3%, 4%, or 5% of the total first mortgage loan amount | Yes | 640 | See program page |
| Florida Hometown Heroes Housing Program source | Deferred second loan | Up to 5% of the first mortgage loan amount, minimum $10,000, maximum $35,000 | Yes | n/a | See program page |
Broward County closing costs that differ from the rest of Florida
Transfer tax: Broward County follows Florida's standard statewide documentary stamp tax: $0.70 per $100 (or fraction) of consideration on the deed. Mortgages carry doc stamps of $0.35 per $100 of the debt plus Florida's nonrecurring intangible tax of $2.00 per $1,000 of the mortgage amount. Broward has no additional county surtax on single-family transfers (unlike Miami-Dade). Source
Recording the deed costs $10 and the mortgage $10. Fee schedule
Owner's title policy: buyer (customary in Broward County)
Recording fee is $10.00 for the first page and $8.50 for each additional page (plus $1.00 per additional name past 4), matching Miami-Dade's schedule, per Broward County Records, Taxes and Treasury.
Frequently asked questions
What down payment assistance is available in Broward County, FL?
Homebuyer Purchase Assistance (HPA) Program (Broward County (and participating municipalities), up to $120,000); Mortgage Credit Certificate (MCC) Program (Broward County). Florida statewide programs can be used here too.
What is the income limit for first-time buyer programs in Broward County?
Most programs cap income at 80% of HUD's area median, which is $101,400 for a four-person household in Fort Lauderdale, FL HUD Metro FMR Area (Broward County) (FY2026). Some programs allow up to 120% or 150% of median; each program page lists its own table by household size.
Is there a transfer tax in Broward County?
Broward County follows Florida's standard statewide documentary stamp tax: $0.70 per $100 (or fraction) of consideration on the deed. Mortgages carry doc stamps of $0.35 per $100 of the debt plus Florida's nonrecurring intangible tax of $2.00 per $1,000 of the mortgage amount. Broward has no additional county surtax on single-family transfers (unlike Miami-Dade).
What is the median home price in Broward County?
About $600,000, per MIAMI Association of Realtors / MIAMI SEFMLS - Broward County Total Home Sales Rise (March 2026 statistics). Down payment help of up to $120,000 covers roughly 20% of that price.
Official sources
- Broward County (and participating municipalities): Homebuyer Purchase Assistance (HPA) Program
- HUD income limits
- Broward County transfer tax
- Broward County recording fees
- MIAMI Association of Realtors / MIAMI SEFMLS - Broward County Total Home Sales Rise (March 2026 statistics)
Broward County figures last verified against official sources on September 11, 2026.
Other Florida counties
This is general information, not financial advice. Program funding, limits and terms change; confirm the current rules with the administering agency and your lender before you rely on them.
See down payment help in all covered counties