City of Miramar First-Time Homebuyer Program

Special Alert

Assistance funds for the 81-120% AMI category has been exhausted; Assistance funds are still available for the 80% AMI and under categories of income. Assistance amounts vary by income. Review program guidelines to determine assistance eligibility by income level.

Maximum Purchase Price


Contact Info: 2300 Civic Center Place, Miramar, FL 33025 954-602-3246


Buyer must be a first-time home buyer. All SHIP/HOME proceeds must be used to pay closing costs; down payment; principal reduction and must not be used for debt consolidation, or cash-out to applicant. Program funds cannot be used for prepaid items such as insurance, taxes, pre-paid interest – (Exceptions can be made on a case-by-case basis for loan amounts under $100,000).

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?

Assistance is in the form of a 15-year, 0% interest deferred second loan that reverts to a grant if all program conditions are met.


Miramar Property must be in the City of Miramar, FL.

Income Limitations:

Yes, based on Compliance Income (including household income) Income limits from HUD 2023 80% AMI guidelines Borrower Income Limitations: Serves Very Low (30-50% AMI) and Low (51-80% AMI) borrowers.

Maximum Assistance

$70,000 Assistance amount varies based on income level category of the applicants: Very Low: 30%-50% AMI or Lower – Up to $70,000 Low Income: 51% AMI to 80% AMI – Up to $60,000

Education Requirements Info:

Borrower must receive a certificate of housing counseling upon completion of an eight (8) hour education and counseling workshop conducted by a HUD certified housing counselor. This certificate is required prior to loan closing.

Eligible Property Types:

Single Family DetachedCondo Townhome/PUDManufactured Home Modular HomeMobile Home

Income By Household Size:

HH1HH2HH3HH4HH5HH6HH7HH8 $50,800$58,050$65,300$72,550$78,400$84,200$90,000$95,800 *Income limits as of 05/31/2023

Qualifying Ratios:

Determined by first mortgage product or lender.