Purchase Assistance Program

Purchase Assistance Program

The City of Miami Gardens through the State Housing Initiative Program (SHIP) has a Purchase Assistance Program to include assistance with down payment and closing costs. These are typically available for persons who meet particular income requirements.   

    Eligible applicants can receive up to $20,000.00 in assistance.

    Assistance will be provided on a first-qualified, first-ready, first served basis, funds are limited.

     Homebuyer must complete an education course by a HUD certified Housing Counselor.

    A first-time buyer is considered someone hasn’t owned a home in the last three years

    Applications are provided once fully executed sales contract and Lender approval letter have been received. 

Income Eligibility

Household Size1 Person2 People3 People 4 People5 People6 People


    Participants with income less than or equal to 120% of median income for family size. 

    Property must be located within the City of Miami Gardens city limits. 

    City of Miami Gardens, single family homes, including town homes, duplex, and condominiums 

    Property sales price does not exceed $ 331,881.00 


    Forgivable at the End of Thirty (30) years 

    Maximum assistance is up to $20,000.00

    Funds will be awarded as a deferred payment loan secured by a recorded subordinate mortgage and note.

    Interest Rate: 0 % rate