Apply for Homebuyer Assistance

The Miami-Dade Economic Advocacy Trust Homeownership Assistance Program (HAP) is designed to expand homeownership for low-to-moderate income residents living in Miami-Dade County. The zero-interest deferred loan provides funding for first-time homebuyers towards down payment and closing costs, making it easier to get approved for a mortgage. Since 1995, the HAP program has funded more than 11,000 families.

• A very low-to-moderate income homebuyer seeking a primary residence in Miami-Dade County.
• A voluntary Homebuyer Education Course may be offered to borrowers choosing to maximize subsidy funding with their first lender or other affordable housing programs. (layering).
• Any new or existing home (must be immediately habitable): single-family detached home, townhome or condo. Foreclosure REOs and short sales are considered on a case-by-case basis.

For more information, please call Steven Gilbert Jr, MDEAT HAP Outreach and Training Specialist at 305-375-5675 or email [email protected].