Purchase Assistance Program

Currently closed until further notice.

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.
  • Requested documents should be emailed to Homeownership@miamigardens-fl.gov 
  • Please review the documents list HERE 
  • Click HERE to access the Home Ownership Purchase Assistance Program Application.


Income Eligibility Per Household Size

1 Person2 People3 People4 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 townhomes, duplexes, and condominiums 
  • Property sales price does not exceed $ 382,195.00.


  • 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