Down Payment Assistance Programs in Broward County

Broward County buyers have access to some of Florida’s most generous DPA programs. By stacking state, county, and city programs together, eligible buyers can receive up to $190,000+ in combined assistance.

County Program: Broward County Homebuyer Purchase Assistance

• Assistance: Up to $80,000
• Type: 0% interest deferred loan — no monthly payments while you live in the home
• Income limit: Household income at or below 80% AMI
• Purchase price limit: $636,806
• First-time buyer required: Yes (no homeownership in past 3 years)
• Buyer contribution: At least 3% of purchase price (except VA loans)
• Requires: HUD-approved homebuyer education course

Statewide Programs Available in Broward County

• Hometown Heroes: Up to $35,000 — 0% deferred loan for eligible workers (teachers, nurses, first responders, military, and 50+ professions)
• FL Assist: Up to $10,000 — 0% deferred second mortgage, no monthly payments
• FL HLP: Up to $10,000 — 3% interest, 15-year repayment (~$69/month)
• Salute Our Soldiers: Up to $35,000 — for veterans and active military (no first-time buyer requirement for veterans)

City Programs in Broward County

• Fort Lauderdale: Up to $75,000 — deferred loan, repaid only if sold/refinanced within 15 years
• Other Broward cities may offer additional local SHIP-funded programs — ask about your specific city

Broward County DPA Stacking Example

A first-time buyer who is a teacher purchasing in Fort Lauderdale could potentially stack:

• Hometown Heroes: $35,000 (state)
• Broward County Purchase Assistance: $80,000 (county)
• Fort Lauderdale First-Time Homebuyers: $75,000 (city)
• Total potential assistance: up to $190,000

Stacking eligibility varies — I confirm which combinations work with our lending partners before quoting amounts. Contact me to find out exactly what you qualify for.

Broward County Loan Limits

The 2026 conforming loan limit for Broward County is $832,750 for a single-family home. Loans above this amount require jumbo financing, which I also offer through select wholesale lenders.

---

Cities Served in Broward County

Fort Lauderdale, Hollywood, Pembroke Pines, Miramar, Coral Springs, Plantation, Pompano Beach, Weston, Davie

---

Home Loans in Broward County

As a licensed mortgage lender serving all of Broward County in the South Florida region, I help buyers and homeowners find the right loan at the best rate. Whether you’re purchasing your first home in Fort Lauderdale or refinancing an existing property, I shop dozens of wholesale lenders to get you the most competitive terms available.

Loan Programs Available

• Conventional — As low as 3% down for qualified buyers
• FHA — 3.5% down, credit scores from 580
• VA — 0% down for eligible veterans and active-duty
• USDA — 0% down in eligible rural areas of Broward County
• Foreign National — Financing for non-US citizens
• DSCR — Investment property loans based on rental income

Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender