Get up to $80,000 in down payment and closing cost help with a 0% interest, deferred-payment loan.
Verify Your Broward County Homebuyer Purchase Assistance Eligibility
The Broward County Down Payment Assistance Program helps first-time homebuyers afford the upfront costs of purchasing a home.
Eligible buyers can receive a 0% interest, deferred-payment second mortgage to cover down payment and closing expenses. Assistance amounts can reach up to $80,000, depending on income and property location.
The program is designed for households earning no more than 80% of the area median income (AMI) and purchasing an eligible property within Broward County.
Funds are limited and awarded on a first-come, first-qualified basis, making early application through an approved lender essential.
Homebuyers can use the Broward County Down Payment Assistance Program in many cities and communities throughout the county. Eligible properties must be purchased within one of the approved areas below.
Coconut Creek
Coral Springs
Davie
Hollywood
Plantation
Sunrise
Weston
Cooper City
Dania Beach
Hallandale Beach
Hillsboro Beach
Lauderdale-By-The-Sea
Lauderdale Lakes
Lazy Lake Village
Margate
North Lauderdale
Lighthouse Point
Oakland Park
Parkland
Pembroke Park
West Park
Wilton Manors
Sea Ranch Lakes
Southwest Ranches
Broward Municipal Services District (Unincorporated Broward County)
The program is designed to make homeownership more affordable for first-time buyers in Broward County.
Up to $80,000 in down payment and closing cost assistance.
0% interest, deferred-payment loan with no monthly payments.
Available for a variety of property types, including single-family homes, condos, villas, and townhomes.
Works alongside your first mortgage approval for lower cash-to-close.
Requires only a 3% buyer contribution toward the purchase price (not required for VA loans).
HUD-approved homebuyer education class included to prepare you for long-term success.
Assistance available on a first-come, first-qualified basis.
To qualify, homebuyers must meet specific income, property, and loan requirements set by Broward County.
Must be a first-time homebuyer (or not have owned a home in the past 3 years).
Household income must be at or below 80% of the Area Median Income (AMI).
Purchase price cannot exceed $636,806 (higher limits may apply in Weston).
Property must be located in an eligible Broward County community.
Buyer must contribute at least 3% of the purchase price (except VA loans).
Completion of a HUD-approved homebuyer education course is required.
Must obtain a first mortgage approval from a participating lender.
Home must be owner-occupied as the buyer’s primary residence.
To qualify for the Broward County Down Payment Assistance Program, your household’s gross annual income must fall below the HUD-set limits for your family size.
These limits are based on 80% of the Area Median Income (AMI), which determines program eligibility.
A 120% AMI tier is also provided for reference, though assistance is generally capped at the 80% AMI level.
Income Limits by Household Size (Effective 2025).
| Household Size | 80% AMI | 120% AMI |
|---|---|---|
| 1 Person | $59,150 | $88,680 |
| 2 Person | $67,550 | $101,280 |
| 3 Person | $76,050 | $114,000 |
| 4 Person | $84,450 | $126,720 |
| 5 Person | $91,200 | $136,800 |
| 6 Person | $98,000 | $147,000 |
| 7 Person | $104,750 | $157,200 |
| 8 Person | $111,500 | $167,280 |
The Broward County Homebuyer Purchase Assistance (HPA) Program makes homeownership more affordable with up to $80,000 in down payment and closing cost help. Follow these five steps to see if you qualify:
Confirm that funds are still available in your community.
Your household income must fall below 80% of the Area Median Income (AMI) for your family size.
Single-family homes, condos, villas, and townhomes qualify (max price $636,806; higher in some areas).
Be a first-time homebuyer (no home in the last 3 years), plan to live in the home as your primary residence, and qualify for a 30-year mortgage.
Get pre-approved by a participating lender and complete a HUD-approved homebuyer education class.
Here are answers to the most common questions homebuyers have about Broward County’s Homebuyer Purchase Assistance (HPA) Program.
First-time homebuyers earning at or below 80% of the Area Median Income (AMI) who purchase in an eligible community may qualify.
Qualified buyers can receive up to $80,000 toward down payment and closing costs.
The loan is 0% interest with no monthly payments and is only repaid if you sell, refinance, or pay off your first mortgage.
Single-family homes, condos, villas, and townhomes are allowed, with a maximum purchase price of $636,806 (higher in Weston).
Yes — the program works with most 30-year fixed mortgages, and VA loans do not require the 3% buyer contribution.
Yes, a HUD-approved homebuyer education class is required before assistance can be approved.
The County’s income certification and funding process typically takes 5–6 weeks once the lender submits a complete package.
Some cities manage their own assistance programs — you’ll need to contact that city directly if Broward funds are not available.
Yes, buyers must contribute at least 3% of the purchase price toward the transaction (except VA loans).
You cannot apply directly — your lender applies on your behalf once you’re pre-approved for a mortgage.
Choosing the right partner makes the difference when securing your Broward County down payment assistance. We guide you through every step so you can buy with confidence.
Expert Guidance: We specialize in Broward County’s Homebuyer Purchase Assistance Program and know the requirements inside out.
Approved Lender Network: We connect you with trusted participating lenders to streamline your approval.
Faster Process: Our team helps prepare your documents so you can avoid delays in Broward County’s 5–6 week review timeline.
Education & Support: We walk you through the HUD-approved class, inspections, and lender requirements.
Local Market Knowledge: From Hollywood to Sunrise, we understand the communities where funds are available.
