Miami-Dade County Infill Housing / DPA

Miami-Dade County Public Housing and Community Development offers deferred second-mortgage DPA up to $28,500 for income-qualified first-time buyers purchasing inside county limits. Loan is forgiven proportionally over 30 years of continuous owner-occupancy.

What the money can be used for

Funds are advanced at closing as a recorded second lien and applied to your down payment and closing costs. The lien is written off over the required occupancy period.

• Down payment on an owner-occupied purchase.
• Closing costs and prepaid items, where the administering agency permits it — confirm the split before you write an offer.
• The home must be your primary residence. Investment and second homes are not eligible.
• Funds are delivered at the closing table. They cannot pay your earnest money deposit, inspection or appraisal up front.
• Assistance cannot be taken as cash back at closing; anything left over is normally applied to the loan balance or returned to the program.

Steps to get this program

1. 1

   Confirm the property location qualifies

   Eligibility is limited to miami-dade, miami dade. Assistance follows the property address, not your current address.

2. 2

   Check the income limit for your county and household size

   Qualifying income must fall at or below the program's published cap, which is set by county and often adjusted for larger households. Check this year's table before anything else — it is the most common disqualifier.

3. 3

   Confirm your first-time buyer status

   You generally qualify if you have had no ownership interest in a primary residence for the previous three years. Veterans and buyers purchasing in federally targeted areas are frequently exempt — ask whether an exemption applies to you.

4. 4

   Confirm credit and first-mortgage eligibility

   This program sets a minimum credit score of 640. Your first mortgage carries its own minimum, and the higher of the two governs your file.

5. 5

   Get pre-approved with a participating lender

   Assistance is delivered through the first mortgage, so it has to be originated by a lender approved for this specific program. Confirm participation in writing before you go under contract.

6. 6

   Complete homebuyer education

   Check whether an approved homebuyer education certificate is required. Most programs require one, and it is always a closing condition when they do.

7. 7

   Reserve the funds

   Assistance allocations are finite and are reserved by your lender, usually once you are under contract. Eligibility alone does not secure money — the reservation does.

8. 8

   Close and keep your documents

   You will sign a note and a second mortgage at closing alongside your first mortgage. Keep the recorded documents — you will need them to refinance, request forgiveness or sell.

Is this program right for me?

Program details

Administered by

Miami-Dade County

Where it applies

Florida

Counties

miami-dade, miami dade

Assistance amount

up to $28,500

Minimum credit score

640

Income limit

$8,333 per month ($99,996 per year), before adjustments

First-time buyer required

Yes (typically no ownership in the past 3 years)

Compatible first mortgages

FHA, Conventional

Occupancy

Owner-occupied primary residence only

Funding status

Unconfirmed — verify with the administrator

Program terms are set and changed by the administering agency without notice to us. This page is educational and is not an approval, a commitment to lend, or a guarantee that funds are available. Simply Approved Mortgages LLC does not administer this program unless it is explicitly identified as an in-house program.