Why Broward Buyers Have the Most DPA Access in South Florida
Broward County’s HOME Investment Partnership Program provides up to $80,000 in down payment assistance — the single highest county-level DPA program in all of South Florida. Miami-Dade’s PHCD tops out at $35,000. Stacked with Hometown Heroes ($35,000), Broward buyers have access to $115,000 in combined assistance — and city-level programs in Fort Lauderdale, Hollywood, and Pembroke Pines add more.
Program #1: Broward County HOME — Up to $80,000
| Detail | Information |
|---|---|
| Amount | Up to $80,000 |
| Structure | Deferred 30-year second mortgage, 0% interest |
| Repayment | Due on sale, refinance, or transfer; partial forgiveness provisions apply |
| Income Limit | 80% AMI — Broward County 2026 (~$79,600 for family of 4) |
| Coverage | Unincorporated Broward County + participating municipalities |
| Funding Source | HUD HOME Investment Partnerships — annual allocation; funds can exhaust mid-year |
| Application | HUD-approved homebuyer education course required |
| Stacks With | Hometown Heroes, Fort Lauderdale city program, Hollywood city program |
Broward HOME is funded annually and demand frequently exceeds supply. Funds can be exhausted before the fiscal year ends. Roland monitors program availability in real time — applying early is not optional, it’s required.
Program #2: Florida Hometown Heroes — Available Across All Broward
| Detail | Information |
|---|---|
| Amount | Up to $35,000 (5% of first mortgage) |
| Structure | 0% interest deferred second mortgage |
| Income Limit | ~$176,000 for family of 4 in Broward (150% AMI 2026) |
| Credit Score | 640+ minimum |
| Who Qualifies | First-time buyers employed by a Florida employer. Veterans exempt. |
| Stacks With | Broward HOME, city programs |
City-Level Programs in Broward
City of Fort Lauderdale — Up to $50,000
Fort Lauderdale’s CDBG-funded program provides up to $50,000 for qualified buyers purchasing within Fort Lauderdale city limits. Income limit: 80% AMI. First-come, first-served — funds can exhaust quarterly. See Fort Lauderdale real estate agent.
Answer a few simple questions and discover homebuyer programs, financing options, grants, and next steps — tailored to your South Florida situation.
Take The Homebuyer Qualification Quiz ›City of Hollywood — Up to $35,000
Hollywood’s program offers up to $35,000 with an elevated income limit of 120% AMI — more buyers qualify than in other programs. Stack: Broward HOME ($80K) + Hollywood ($35K) + Hometown Heroes ($35K) = up to $150,000 for Hollywood purchases. See Hollywood FL real estate agent.
Pembroke Pines / Miramar — Up to $75,000
Pembroke Pines administers its own SHIP and HOME program at up to $75,000. Income limit: 80% AMI. See Pembroke Pines real estate agent.
Coral Springs — Up to $80,000
Coral Springs operates its own first-time homebuyer assistance program at up to $80,000, targeted to buyers purchasing within Coral Springs. See buying a home in Coral Springs FL guide.
Maximum Stacked Assistance by Broward City
| City | Broward HOME | City Program | Hometown Heroes | Total Possible |
|---|---|---|---|---|
| Fort Lauderdale | $80,000 | $50,000 | $35,000 | $165,000 |
| Hollywood | $80,000 | $35,000 | $35,000 | $150,000 |
| Pembroke Pines | $75,000 (own program) | — | $35,000 | $110,000 |
| Coral Springs | $80,000 (own program) | — | $35,000 | $115,000 |
| Miramar | $80,000 | — | $35,000 | $115,000 |
| Unincorporated Broward | $80,000 | — | $35,000 | $115,000 |
Broward County Income Limits 2026
| Household Size | 80% AMI (HOME Program) | 120% AMI (Hollywood) | 150% AMI (Hometown Heroes) |
|---|---|---|---|
| 1 person | ~$56,800 | ~$85,200 | ~$124,600 |
| 2 persons | ~$64,900 | ~$97,350 | ~$142,500 |
| 3 persons | ~$73,000 | ~$109,500 | ~$160,400 |
| 4 persons | ~$79,600 | ~$119,400 | ~$176,000 |
| 5 persons | ~$86,000 | ~$129,000 | ~$190,100 |
Broward Markets Where DPA Works Best
DPA programs require the property to be within eligible price ranges (generally at or below FHA loan limits: $776,550 single-family in Broward). Best Broward markets for DPA-assisted purchases:
- Miramar / Pembroke Pines: $400,000–$600,000 range, accessible pricing, strong school districts, full DPA eligibility
- Hollywood (inland areas): $350,000–$550,000, $150,000 maximum stack, strong rental market for duplex house-hackers
- Deerfield Beach / Pompano Beach: Emerging, more affordable entry points, full Broward HOME eligibility
- Fort Lauderdale (non-waterfront): $400,000–$650,000, $165,000 maximum stack in Fort Lauderdale city limits
For the full Broward County market overview, see the Broward County real estate guide.
