Broward County · Florida Hometown Heroes Housing Program
Buying a first home in Broward County, Florida
Broward buyers get a $190,200 TBA income limit and one of the state's higher Bond price caps, $697,889. Here's how that plays out from Fort Lauderdale to Coral Springs.
SeatFort Lauderdale
Residents2,013,317
Income cap, 3+$145,820
Price cap$697,889
The Broward picture
Full-time staff of Broward County Public Schools fit the school rule, from bus-loop aides to principals. Public safety workers at the Broward Sheriff's Office, including BSO Fire Rescue, and at the Fort Lauderdale, Hollywood and Pembroke Pines police departments are covered too, along with Fort Lauderdale Fire Rescue.
Broward shares its $697,889 Bond price limit with Miami-Dade and Palm Beach. Its Bond income limits, $126,800 for 1 to 2 people and $145,820 for 3 or more, count every adult in the home. If a grown child or roommate will live with you in Miramar or Hollywood, that income counts under Bond but not under TBA.
Funding is first-come, first-served statewide. Have your pre-approval done before you make offers so your lender can reserve funds right after the contract is signed.
Caps that apply in Broward County
Income cap, 1 or 2 people
Income cap, 3 or more
Price cap
$126,800
$145,820
$697,889
Broward's 2026 Bond limits are $126,800 (1 to 2 people) and $145,820 (3 or more) with a $697,889 price cap, and its TBA limit is $190,200. Compare with the statewide table or run the budget calculator.
Local employers whose staff can qualify
Broward County Public Schools
Broward Sheriff's Office (including BSO Fire Rescue)
Fort Lauderdale Police Department
Fort Lauderdale Fire Rescue
Hollywood Police Department
Pembroke Pines Police Department
Nurses, techs and other full-time staff at Broward hospitals and clinics qualify the same way school and public safety employees do. The eligible jobs list has the full set of roles.
Local money in Broward County
County, city and employer programs here can sometimes sit behind the state loan, or replace it. Each has its own rules about combining, and a loan officer sorts out which ones fit together.
Home Buyer Purchase Assistance
Limited funds
Broward County (participating cities)
Amount
Not stated
Kind of help
Deferred loan, due at sale or refinance
Who it's for
Income-eligible buyers in participating Broward cities
HUD-approved homebuyer education; buyer contributes 3% of price (not for VA); home inspection; lender applies on buyer's behalf
0% deferred second mortgage, 15-year term. Funds first-come first-qualified. Page marks 'No Funds' for Coral Springs, Coconut Creek, Cooper City, Davie, Dania Beach, Hallandale Beach, Lauderdale Lakes, Margate, North Lauderdale, Oakland Park, Parkland, Plantation, Sunrise, Weston, Wilton Manors, Unincorporated Broward and others; Hollywood shown without a No Funds flag.
Nearly every down payment program makes you finish a homebuyer class before closing. These HUD-approved agencies around Broward County teach one or offer one-on-one counseling before you buy.
From HUD's list of housing counseling agencies. A given program may accept only certain classes.
Which class counts for you? Your loan officer knows which courses each Florida program accepts and can start your pre-approval in the same conversation. Start with the 2-minute check
Broward County, asked and answered
Do BSO Fire Rescue employees qualify?
Yes. Full-time firefighters, EMTs and paramedics with a Florida fire department or ambulance service meet the job rule.
What's the purchase price limit in Broward?
$697,889 on Bond loans outside targeted areas. TBA loans have no price limit, only loan limits.
Does my adult child's income count?
Under Bond, yes: income of every occupant 18 and older counts. Under TBA, only the borrowers' qualifying income is measured.
Hi, I'm Lisa. See if you're eligible for down payment assistance in Florida. I'll walk you through six quick questions, and you'll see your result before you leave the page.
