Miami
City of Miami buyers can get up to $130,002 in deferred SHIP/HOME help, plus Miami-Dade County and Florida Hometown Heroes options. Rules, limits and status.
City by city
Florida cities that put up their own homebuyer money
Some city halls fund down payment help on top of what the state and county offer. Pick a city to see everything open to buyers there.
Fort Lauderdale
Fort Lauderdale SHIP purchase assistance offers a 0% deferred loan up to $75,000 for first-time buyers. Income limits, intake agencies and Broward options.
West Palm Beach
West Palm Beach's SHIP plan allows forgivable purchase help up to $100,000, including up to $25,000 for repairs. Status, terms and Palm Beach County options.
Tampa
Tampa's DARE program and CRA DPA pay $30,000 to $50,000 forgivable to first-time buyers up to 140% AMI. Both are open. Tiers, rules and county options.
Orlando
Orlando's citywide $45,000 DPA is closed, but Orlando Unlocked: Open Door offers $45,000 plus $10,000 for first responders and nurses on Downtown CRA homes.
Jacksonville
Jacksonville's Headstart to Homeownership (H2H) offers up to $25,000 forgivable to buyers at or below 80% AMI. Rules, contacts, MCC and Duval options.
St. Petersburg
St. Petersburg's SHIP DPA is paused, but the South St. Petersburg CRA DPA is open: 20% of price plus $5,000, up to $75,000. Rules and Pinellas options.
Cape Coral
Cape Coral's SHIP plan allows up to $80,000 forgivable for low and moderate income buyers of existing homes. How intake works, status and Lee County options.
Lakeland
Lakeland's Home Purchase Assistance Program is open: up to $40,000 for low income buyers and up to $25,000 for moderate income buyers in the Midtown CRA.
Palm Bay
Palm Bay SHIP Purchase Assistance with Rehabilitation runs from a wait list kept by Community Housing Initiatives. How to join it, plus Brevard options.
Deltona
Deltona's SHIP DPA offers up to $60,000 forgivable, with a 140% AMI tier for teachers, nurses, police and firefighters. Wait list, rules and Volusia options.
Bradenton
Bradenton's SHIP plan allows up to $50,000 for first-time buyers as a 0% loan with a $50 minimum payment, forgiven at term. Plus Manatee County options.
Ocala
Ocala's SHIP plan pays first-time buyers $15,000 to $40,000 by income tier, forgiven after 10 years. Tiers, status and Marion County options.
Port St. Lucie
Port St. Lucie's SHIP plan allows up to $103,500 forgivable for very low to moderate income buyers, including land trust homes. Terms and St. Lucie options.
