Purchase Assistance Program

Accepting Pre-Applications


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.
  • A first-time buyer is considered someone who hasn’t owned a home in the last three years.
  • Pre-Application Request form needs to be completed in order to be considered.
  • Click HERE to access the Home Ownership Purchase Assistance Program Pre-Application form.
  • For any questions or to provide additional information please email Beautify@miamigardens-fl.gov .

            

Income Eligibility Per Household Size

1 Person2 People3 People4 People5 People6 People
$95,400.00$108,960.00$122,520.00$136,200.00$147,120.00$158,040.00

Qualifications

  • 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 townhomes, duplexes, and condominiums 
  • Property sales price does not exceed $ 382,195.00.

Terms

  • Forgivable at the End of 5 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