Plantation FL Down Payment Assistance Programs (2025 Guide)

Buying a home in Plantation, FL? Explore the top down payment assistance and closing cost aid programs available in 2025 for first-time and income-qualified buyers.

🏡 Broward County Homebuyer Purchase Assistance Program

Broward County offers a deferred, 0% interest second mortgage worth up to $80,000 (Weston: up to $120,000), forgiven over 15 years for eligible first-time buyers. Requires HUD-approved counseling, income limits at 80% AMI, and buyer must contribute 3% of purchase price :contentReference[oaicite:1].

🌇 Plantation City Grants (Low & Moderate-Income)

The City of Plantation provides grants for down payment and closing costs to low and moderate-income first-time buyers for primary residences :contentReference[oaicite:2].

📌 Florida Assist Program

The Florida Housing Finance Corporation’s Florida Assist program offers up to $10,000 in down payment/closing cost aid for buyers using FHA, VA, or conventional loans in Broward County :contentReference[oaicite:3].

🔍 Other State & Federal Options

• State Housing Initiatives Partnership (SHIP): grants or loans up to 10% of purchase price :contentReference[oaicite:4].
• FHA Down Payment: 3.5% program for qualified borrowers :contentReference[oaicite:5].

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✅ Eligibility Requirements & Process

• 📌 First‑time homebuyer (usually no ownership in past 3 years)
• 📌 HUD-approved homebuyer education course
• 📌 Income limits per household size (80% AMI) :contentReference[oaicite:6]
• 📌 Property must be in Plantation or Broward County public‑assistance areas
• 📌 Must meet lender guidelines for first mortgage

📆 Typical Timeline

Programs take around 5–6 weeks from complete application to funding :contentReference[oaicite:7]. Funds are first-come, first-served—starting early is critical.

🔧 How We Help

• ✅ Verify your program eligibility
• ✅ Connect you to approved lenders
• ✅ Guide you through required HUD courses
• ✅ Complete paperwork and submit applications
• ✅ Monitor for funding deadlines & deadlines

💬 FAQs

Can I pair Broward County and Florida Assist?

Yes, you can stack programs like Broward HPA and SHIP or Florida Assist to maximize your funding.

Are these only for first-time buyers?

Most require no home ownership in the past 3 years, though some programs (e.g., HPA) have exceptions for veterans or displaced homeowners.

Do I have to repay the assistance?

If you stay in the home for the term (typically 15 years), it’s forgiven. Selling or refinancing earlier may require repayment.

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