Skip to Quiz
Free · 3 Minutes · No Commitment

South Florida Homebuyer Readiness Quiz

Educational only: this quiz is not a loan approval, pre-approval, credit decision, or estimate of program eligibility. Assistance programs, grants, DPA, loan terms, and buyer-representation compensation depend on eligibility, documentation, funding, lender review, program rules, and written agreements.

Privacy note: your quiz answers are used to help Roland or his team understand your situation and follow up. No credit is pulled by this quiz.

6 questions to discover your FHA readiness, down payment assistance programs — and a personalized action plan from a licensed GC with 20 years in South Florida real estate.

FHA Readiness Check
Up to current program limits DPA
VA + Veteran Programs
GC Assessment Included
Question 1 of 6

Which county are you
buying in?

This determines which assistance programs are available to you.

Question 2 of 6

Are you a first-time
homebuyer?

First-time buyers unlock additional grant programs and lower down payment options.

Question 3 of 6

What is your estimated
credit score?

A rough estimate is fine — this determines FHA readiness and what rates to expect.

Question 4 of 6

Are you a veteran or
active military?

Veterans may qualify for VA loans (0% down) and the Florida Hometown Heroes program.

Question 5 of 6

What is your estimated
household income?

Combined gross income across all borrowers. Used to determine program income limits.

Question 6 of 6 — Last One

What property type
are you considering?

This affects FHA loan limits, inspection requirements, and GC assessment priorities.

Almost There — One Step Left

Where Should We
Send Your Results?

Your personalized program analysis is ready. Enter your contact info and Roland will review your results and reach out personally.

🔒 Your information is private. Roland personally reviews every quiz result and responds within 24 hours.

Please enter your name and email to continue.
Analyzing your profile...
🏆
Strong Qualifier

You Qualify For
Strong Programs

Based on your profile, here are the programs and options available to you in South Florida.

FHA Readiness
FHA Loan — Likely Eligible
  • 3.5% down payment (580+ credit)
  • 2026 Miami-Dade limit: $776,550
  • Duplex limit: $994,050 (FHA house-hack)
  • Mortgage insurance included
Down Payment Assistance
Programs Available
  • Florida Hometown Heroes: up to $35,000
  • Miami-Dade PHCD: up to $35,000
  • Broward County: up to $80,000
  • Palm Beach: up to $100,000
VA / Veteran Programs
VA Loan — Check Readiness
  • 0% down payment for eligible veterans
  • No PMI requirement
  • Hometown Heroes stacks with VA
  • Certificate of Readiness required
GC Advantage — Included Free
Roland's Pre-Offer Assessment
  • Permit history pull before offer
  • Construction quality walkthrough
  • Renovation cost estimate
  • Zero cost — included with representation
Your Personalized Next Steps
Your Advisor
Roland Ruiz Answers His Own Phone

Licensed GC + Real Estate Advisor at KW Premier Properties. Zero cost to buyers. Roland reviews every quiz personally and will call you to walk through your options.

Next Step · Free Buyer Consultation
Quiz Complete — Let’s Talk About Your Results.

Roland reviews your quiz results and maps them to specific Miami-Dade programs, FHA options, and Hometown Heroes readiness. Free. No credit pull. 15 minutes.

House Hacking · Investor Strategy
Thinking About Investing Instead of Buying?

House hacking lets you live in one unit and rent the others — using FHA or conventional. Roland structures the deal and runs the numbers for you.

Disclaimer: This quiz provides general educational information and is not a estimate of loan approval, program readiness, or financial advice. Program availability, income limits, and loan terms change frequently. All results are estimates based on self-reported information. Verify readiness with a licensed mortgage professional. Roland Ruiz is a licensed Florida Real Estate Sales Associate (SL3289724) affiliated with Keller Williams Premier Properties, 11440 N Kendall Dr Suite 405, Miami FL 33176 · 305.731.0387 · Roland@Realtor007.ai

Silo 2 — Buyer Education
Start Here
How to Buy a Home in South Florida Down Payment Assistance Options FHA Loan Requirements Florida 2026 Mortgage Pre-Approval Guide Florida First-Time Homebuyer Checklist FL
Start Your City Search
Real Estate Agent Miami FL Real Estate Agent Fort Lauderdale Real Estate Agent West Palm Beach
Calculators & Tools
South Florida Mortgage Calculator Cash Flow Calculator South Florida
Your Next Step
🎓 Homebuyer Readiness Quiz — 2 Min ↩ Back to Buyer Education Hub