City of Miami Gardens SHIP Purchase Assistance Program

Special Alert

Maximum Purchase Price


Contact Info: 18605 NW 27 Avenue, Suite 151, Miami Gardens, FL 33056 305-622-8000 ext 2300


Credit Score Requirements

Based on 1st mortgage requirements.

Deferred Payments?


Accepted First Mortgage Type:

Freddie Mac, Freddie Mac HFA Advantage, Freddie Mac Home Possible, Fannie Mae, Fannie Mae HFA Preferred, Fannie Mae HomeReady, FHA 203(b), VA

Homeowners Education Class:


Is Forgivable?

Forgivable at the End of 5 years. (loan forgiveness at a rate of 20 percent per year) Funds will be awarded as a deferred payment loan secured by a recorded subordinate mortgage and note.


Miami Gardens Program is available within the City of Miami Gardens city limits.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2023 120% AMI guidelines The income limits used in the SHIP program are updated annually by the Department of Housing and Urban Development and posted at Must have income less than or equal to 120% of median income for family size. Proof of Income required for all household members 18 and older.

Maximum Assistance

$20,000 Eligible applicants can receive up to $20,000.00 in assistance for down payment and closing costs.

Education Requirements Info:

Homebuyers must complete an education course by a HUD-certified Housing Counselor. Housing Counseling agencies can be found here:

Eligible Property Types:

Single Family Detached Condo Townhome/PUD Twin Home

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $86,760$99,120$111,480$123,840$133,800$143,760$153,600$163,560 *Income limits as of 05/31/2023

Qualifying Ratios:

Determined by first mortgage product or lender.