Homeownership Assistance Program

The MDEAT Homeownership Assistance Program (HAP) is designed to increase the number of first-time home purchases 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 program has funded more than 7,900 families.

  • A first-time buyer or have not owned a home or been on the title of a home in the last three years.
  • Attend in-person approved Homebuyer Education Course
  • Pay at least one percent of sales price or three percent of sales price from your own funds based on income criteria
  • Only a new or existing home: single-family detached home, townhome or condo. Foreclosure REOs and short sales are considered on a cases-by-case basis


Phone Number(s)

Email / Mail

Economic Advocacy Trust

William "Bill" Diggs, Executive Director

Stephen P. Clark Center
111 NW 1st Street,
Suite 2032
Miami, FL 33128

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