Miami, FL · Down Payment Assistance
Down Payment Assistance in Miami, FL
Miami's market is competitive, but $0-down FHA combos and 1%-down grants give first-time buyers a real path in — especially in emerging neighborhoods.
Programs available in Miami
FHA 100% Combo — $0 down
FHA first at 96.5% plus a second for the 3.5%. No income cap, 600 minimum credit. Works in Miami-Dade — Little Havana, Allapattah, North Miami, Homestead.
V1-FAST 100 — $0 down, forgivable second
3.5% second at 0%, deferred and forgiven over time while owner-occupied.
1% Down Grant — 2% free
You put 1%, the program grants 2% up to $7,000. Conventional, income ≤ 80% AMI, max loan $350,000 — tight for Miami, best for condos.
What Miami buyers ask most
- Can I buy in Miami with $0 down? Yes — FHA combos are the strongest path given Miami prices.
- Condos? FHA-approved condos qualify. Many Miami condos aren't FHA-approved — we check before you write an offer.
- Insurance costs? Florida insurance is a real factor — it must be in your qualifying payment. We use real quotes, not estimates.
How to start
Send the 60-second eligibility form: your target area in Miami, income range, and credit estimate. We'll match you to every program that fits — and tell you honestly if the math doesn't work yet.
Buying in Miami? Check your eligibility for $0-down and 1%-down programs before you start touring homes. Check my eligibility →