Broward CDBG Purchase Assistance Program

Secure up to 3% in purchase assistance stacked with county HPA funds. 0% interest, deferred payments for low-to-moderate income first-time buyers.

Check Eligibility

*Funds are limited and distributed on a first-come, first-served basis.

Program Highlights

Understand how the CDBG assistance stacks with other Broward programs to maximize your buying power.

Stackable Funding

Designed to layer on top of the main Broward HPA (up to $80k-$120k). Get an additional ~3% of the purchase price to close the gap.

0% Interest & Deferred

No monthly payments on the assistance loan. It is a 0% interest second mortgage, deferred for 15 years and often forgiven if you stay.

Flexible Usage

Funds can be applied toward your down payment, closing costs, or principal reduction to make your mortgage affordable.

How "The Stack" Works

The Broward CDBG Purchase Assistance Program isn't usually a standalone loan. It is a powerful "gap filler" designed to work alongside the county's primary Homebuyer Purchase Assistance (HPA).

For low-income buyers, this structure provides maximum buying power by layering three sources of funds:

  • 1
    First Mortgage: A standard 30-year fixed loan from a participating lender.
  • 2
    Broward HPA: The primary subsidy providing up to $80,000 (or more in cities like Weston) as a 0% deferred second loan.
  • 3
    CDBG Assistance: The final piece, adding ~3% of the purchase price to cover remaining closing costs or gaps.

Example Funding Structure

Purchase Price
$350,000
First Mortgage ~ $260,000
Broward HPA (Layer 2) + $80,000
CDBG Funds (Layer 3) + $10,000

*Example figures for illustrative purposes only. Actual amounts vary by city limits, income, and purchase price.

Eligibility & Requirements

Income Limits

Must be a low-to-moderate income household (typically ≤80% AMI). For example, approx. $59,150 for a single person or $84,450 for a family of 4 (subject to current HUD charts).

First-Time Homebuyer

You must not have owned a residential property in the last 3 years.

Property Guidelines

Eligible properties include Single-Family Homes, Townhomes, Villas, and Condos within Broward County. Max sales price caps apply (approx $636k per recent guidelines).

Recapture & Forgiveness

The loan is usually forgiven after 15 years of continuous occupancy. If you sell, rent, or refinance before then, recapture provisions apply.

Unsure if you qualify for the full stack?

See If You Qualify Below

Your Path to Homeownership

The journey to using CDBG funds typically follows these steps.

1. Check Eligibility

Complete the form below to see if your income and credit profile align with program requirements.

2. Pre-Approval & Education

Get pre-approved with a participating lender and complete the required HUD 8-hour homebuyer education course.

3. Find a Home

Work with a realtor to find an eligible property (Single Family, Townhome, or Condo) within the purchase price limits.

4. Secure Funding & Close

Your lender submits the file to Broward County for HPA and CDBG reservation. Once approved, you close on your new home!

Participating Communities

The Broward CDBG Purchase Assistance Program operates across the county. Funding availability may vary by municipality, as many cities partner with Broward County's Housing Finance Division.

Coconut Creek
Coral Springs
Davie
Deerfield Beach
Fort Lauderdale
Hollywood
Lauderhill
Margate
Miramar
Pembroke Pines
Sunrise
Weston

*Availability of CDBG funds in specific cities is subject to current allocations and annual action plans. Unincorporated Broward County areas are also eligible.

Step 1 of 1

Check Your Eligibility

Fill out the form below to see if you qualify for Broward CDBG Purchase Assistance and other county down payment programs.

Your information is secure and will be used solely for eligibility assessment.