Miami-Dade County, FL First-Time Home Buyer Programs and Down Payment Help
Miami-Dade County buyers can apply to 2 local down payment programs, with help up to $200,000 through District 5 Expanded First-Time Homebuyer 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 Miami-Dade County
These are run by Miami-Dade County, City of Miami (District 5 only), 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 Down Payment Assistance Program Miami-Dade County (Miami-Dade County Public Housing and Community Development (PHCD)) · source | deferred, no-interest second mortgage (forgivable via shared-equity schedule) | Up to $35,000 | Individuals earning less than $95,620; | Yes | Miami-Dade County; buyer must be a county resident at application and closing |
| District 5 Expanded First-Time Homebuyer Program City of Miami (District 5 only) (City of Miami Department of Housing & Community Development) · source | acquisition financing and down payment assistance (deferred loan) | Up to $200,000, based on household income and need | Income-eligible households | Yes | Property must be within City of Miami Commission District 5 |
- Homebuyer Down Payment Assistance Program. Up to 30-year deferred loan, no interest, no monthly payment; combined loan-to-value capped at 105% of purchase price; borrower must contribute 1% of purchase price from own funds; requires HUD-approved homebuyer counseling.
- District 5 Expanded First-Time Homebuyer Program. Page content is mostly a navigation shell; the $200,000 max and eligibility summary come from the page's own meta description. Contact the department for the full term sheet and current AMI tier.
Income limits in Miami-Dade County
Down payment programs here are keyed to HUD's income limits for Miami-Miami Beach-Kendall, FL HUD Metro FMR Area (fiscal year 2026): the area median family income is $87,200. Limits scale with household size; each program page has the full table. HUD income limits
Florida statewide programs you can also use in Miami-Dade 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 |
Miami-Dade County closing costs that differ from the rest of Florida
Transfer tax: Florida documentary stamp tax on the deed is $0.70 per $100 of consideration statewide, EXCEPT Miami-Dade County, which is $0.60 per $100 for single-family residential transfers plus a $0.45-per-$100 county surtax on all other (non-single-family) real property transfers. Mortgages carry their own doc stamps ($0.35 per $100, rounded up to the next $100) plus Florida's nonrecurring intangible tax ($2.00 per $1,000 of the mortgage amount). Source
Recording the deed costs $10 and the mortgage $10. Fee schedule
Owner's title policy: buyer (customary in Miami-Dade County)
Recording fee is $10.00 for the first page and $8.50 for each additional page (plus $1.00 per additional name beyond 4 on indexed instruments), per the Miami-Dade Clerk of Courts fee schedule.
Frequently asked questions
What down payment assistance is available in Miami-Dade County, FL?
Homebuyer Down Payment Assistance Program (Miami-Dade County, up to $35,000); District 5 Expanded First-Time Homebuyer Program (City of Miami (District 5 only), up to $200,000). Florida statewide programs can be used here too.
Is there a transfer tax in Miami-Dade County?
Florida documentary stamp tax on the deed is $0.70 per $100 of consideration statewide, EXCEPT Miami-Dade County, which is $0.60 per $100 for single-family residential transfers plus a $0.45-per-$100 county surtax on all other (non-single-family) real property transfers. Mortgages carry their own doc stamps ($0.35 per $100, rounded up to the next $100) plus Florida's nonrecurring intangible tax ($2.00 per $1,000 of the mortgage amount).
What is the median home price in Miami-Dade County?
About $680,000, per MIAMI REALTORS - Miami-Dade single-family home median sale price, May 2026. Down payment help of up to $200,000 covers roughly 29% of that price.
Official sources
- Miami-Dade County: Homebuyer Down Payment Assistance Program
- City of Miami (District 5 only): District 5 Expanded First-Time Homebuyer Program
- HUD income limits
- Miami-Dade County transfer tax
- Miami-Dade County recording fees
- MIAMI REALTORS - Miami-Dade single-family home median sale price, May 2026
- HUD - Statement on FY 2026 Median Family Income Estimates and Income Limits
Miami-Dade 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