Bluenest is making homeownership a reality
Buy your new Miami-Dade home with as little as 1% down payment through our workforce down payment assistance programs.
Down payment assistance programs
Zero-interest, deferred-loan programs that help qualified Miami-Dade buyers cover down payment and closing costs.
Program 01 · MDEAT HAP
MDEAT HAP — Homeownership Assistance Program
Administered by Miami-Dade Economic Advocacy Trust
Run by the Miami-Dade Economic Advocacy Trust, MDEAT HAP is a zero-interest, deferred loan that helps homebuyers cover down payment and closing costs, making it easier to qualify for a mortgage. Funded through Documentary Surtax dollars, the loan is forgiven after 20 years of continuous owner-occupancy. The program has helped more than 11,000 families since 1995.
Key facts
- Eligible homes: any new or existing, immediately habitable single-family home, townhome, or condo used as a primary residence in Miami-Dade.
- Open to both first-time and repeat buyers (must be a primary residence).
- Homebuyer education recommended / required.
Up to approximately $28,500 depending on income tier (CLTV cap ~105%).
Disclaimer: The workforce homeownership programs listed on this page are administered by Miami-Dade County and are intended for first-time homebuyers only. Income limits, eligibility requirements, and program availability are subject to change at any time without notice; please contact Miami-Dade County directly for the most current information.
Program 02 · PHCD
PHCD Affordable Homeownership Program
Administered by Miami-Dade Public Housing & Community Development
Administered by Miami-Dade Public Housing & Community Development (PHCD), this program assists very-low to moderate-income families with down payment and closing costs through zero-interest deferred loans. A minimum 3% down payment is required, of which 1% must come from the borrower’s own funds. Income may not exceed 140% of the Miami-Dade area median income (subject to underwriting). A HUD-certified homebuyer education course is required. If the home is sold within the first six years, a portion of the profit (shared equity) is repaid to the county.
Key facts
- Minimum 3% down payment required — at least 1% from the borrower’s own funds.
- Income may not exceed 140% of the Miami-Dade area median income (subject to underwriting).
- HUD-certified homebuyer education course required.
- Shared equity: selling within the first six years repays a portion of the profit to the county.
Zero-interest deferred loan. Maximum assistance pending confirmation (official page lists up to $35,000; see subsidy table below).
Disclaimer: The workforce homeownership programs listed on this page are administered by Miami-Dade County and are intended for first-time homebuyers only. Income limits, eligibility requirements, and program availability are subject to change at any time without notice; please contact Miami-Dade County directly for the most current information.
Lenders ready to help
Work with an experienced lender to combine these assistance programs with the right mortgage for you.
Home Financing Center
A Florida mortgage lender helping Floridians buy homes since 1984. Offers conventional and non-conventional loans with competitive rates, low down payment options, and flexible terms, with locations statewide.
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NFM Lending
A national mortgage lender offering conventional, FHA, VA, and USDA loans, with down payment assistance options and local loan officers who guide buyers from pre-qualification through closing.
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Bluenest communities currently participating in the Workforce program.
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Share a few details and a Bluenest team member will reach out to walk you through the programs, lenders, and next steps.
Prefer to speak with a specialist? Call us at 305-200-HOME (4663)