MDEAT Housing Division

Miami-Dade Economic Advocacy Trust created its Homeownership Assistance Program (HAP) to increase the number of home purchases for low-to-moderate-income residents in Miami-Dade County. Since 1995, the program has funded more than 7,900 families. Currently, the zero-interest deferred loan provides funding for low-to-moderate income homebuyers towards down payment and closing costs for their primary residence, making it easier to get approved for a mortgage.

  • 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).
  • Pay at least one percent of the sales price or three percent of the sales price from your own funds based on income criteria
  • 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.

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