Florida Down Payment Assistance: What's Open Right Now
Checked November 10, 2026. Florida Hometown Heroes is open and still has money. Palm Beach County's purchase assistance is closed. Broward County's page shows no funds in most of the areas it serves. Miami-Dade doesn't publish a status, so the only way to know is to call.
We check each program at its official source and put the date on every line. To find out which of these you can use, call
Which programs are taking reservations right now?
| Program | Area | Status | What we found | Last checked |
|---|---|---|---|---|
| Florida Hometown Heroes | Statewide | Open | Reopened July 13, 2026 with $50 million. Lenders were reporting a little over $20 million left in early November. | Nov 10, 2026 |
| Broward County Homebuyer Purchase Assistance | Broward | No funds in most areas | The county's page shows "No Funds" beside 24 communities, including unincorporated Broward. Hollywood is listed without that note. | Nov 10, 2026 |
| Miami-Dade Homebuyer Down Payment Assistance | Miami-Dade | Not published | An interest-free loan of up to $35,000. The county's page doesn't say whether money is available today. | Nov 10, 2026 |
| Palm Beach County SHIP Purchase Assistance | Palm Beach | Closed | The county's page says the application limit has been reached. The last window it lists ran May 5 to May 23, 2025. | Nov 10, 2026 |
More Florida counties are being added to this list.
How much Hometown Heroes money is left?
The state put $50 million into this round when it reopened on July 13, 2026. By early November, lenders who track the balance were reporting a little over $20 million still available. The money is reserved one loan at a time, first come, first served, and last year's round was fully committed about six months after it opened.
Your lender makes the reservation, and it can only go in once you have a signed contract on a home. Our Hometown Heroes page covers who qualifies.
Is Broward County purchase assistance open?
Not in most places right now. The county's Home Buyer Purchase Assistance page lists "No Funds" beside 24 communities, from Coral Springs and Davie to Sunrise, Weston and unincorporated Broward. Hollywood appears on the list without that note. Cities the county doesn't list run their own programs, so ask that city directly.
When funds are available, the help is a second mortgage at 0% interest with no monthly payment and a 15-year term. There is no online application. Your lender applies for you after you finish a homebuyer class.
Is Miami-Dade down payment assistance open?
The county doesn't say. Its Homebuyer Down Payment Assistance page describes an interest-free loan of up to $35,000 with no monthly payments, but it shows no funding status and no application dates. Miami-Dade Housing and Community Development answers that question at 786-469-4100.
Is Palm Beach County SHIP open?
No. The county's SHIP Purchase Assistance page says the application limit has been reached. The last window it lists opened May 5, 2025 and closed once 100 applications came in. Awards in that round went up to $100,000. The county announces each new window on the same page, and it asks for a first mortgage approval letter at the time you apply.
What can you do when a program is closed?
A closed program doesn't have to stop the purchase. FHA 100% financing pairs an FHA first mortgage with a down payment assistance second mortgage. On an FHA loan the seller can also pay up to 6% of the price toward your closing costs, which we explain on our seller concessions page. Buyers in Broward, Miami-Dade and Palm Beach can look at our Homebuyers Outreach Program as well.
When should you line up assistance?
Before you sign a contract. Most of these programs are reserved by your lender, not by you, and several require a homebuyer class first. With the loan approval done ahead of time, the reservation can go in the day your offer is accepted, while the money is still there.
How often is this page checked?
We go back to each program's official page, and the date on its line changes when we do. Funding can run out between checks, so confirm a program's status by phone before you count on it for a purchase.
Most buyers overestimate the cash they need.
FHA starts at 3.5 percent down, assistance programs can cover that 3.5 percent, and a seller can be asked to pay closing costs. Stacked together, plenty of Florida buyers reach the table with far less cash than they planned for.
Call 888-601-8344 with a price range and a county and you'll know what cash to close actually looks like. Under ten minutes, answered 24/7.
Text 954-816-8820 if that's easier.
AAA Capital Funding, Inc. · NMLS #374739 · Jason J. Sarji, NMLS #374700