305-499-8743 HFA@hfamiami.com


Homebuyers – Turn Your Vision Into Reality!

We’ll guide you along the road to homeownership.

 home-buyersGet started!

Browse through our website to learn about more HFA programs. Or speak with someone immediately at 305-594-2518. The Housing Finance Authority’s mortgage is perfect for first-time homebuyers in Miami-Dade County. Our 30-year mortgage has a fixed, low interest rate.


Qualifying is simple and easy.

  1. Complete an 8-hour, HUD-approved homebuyer education course
  2. Pre-qualify with a participating lender
  3. Search for a home in your price range
  4. Consult with a Realtor, search the internet or look through real estate publications
  5. Provide a deposit to the seller and obtain a contract
  6. Take a signed contract to the program lender to begin the closing process

First time homebuyer program maximum income and purchase price limits.


Participating Lenders



Contact a Participating Lender to get pre-qualified

Mortgage Calculator

“HFA cannot be held responsible for the accuracy of the Mortgage Calculator. Please refer to your lender for more specific information.”
calculator silver

Target Area Locator

Homes located within certain Census Tracts are federally designated target areas and are exempt from the first time homebuyer requirement. Additional incentives for purchasing homes in these target areas include higher income and purchase price limits.

To determine if a home is within a target area, first look up the address using the link provided below and compare the census tract number to the list. Click on link “Target Area Locater”; enter the property address to locate the census tract number (Tract Code). Click on the List of Census Tract numbers to see if the property is located in a target area.

Target Area Locator

“HFA cannot be held responsible for the accuracy of the Target Area website. The information listed is subject to change.”

Become a Lender

“Join the HFA Lender program! Click here for program features and to register with the Program Administrator, www.eHousingPlus.com.”

Become a Lender

Lender Brochure

MCC Brochure

Downpayment Assistance Brochure

Homebuyer Education

To qualify for single-family affordable housing programs, first-time homebuyers need to earn an eight hour Homebuyer Education Certificate.The HFA offers an online HUD-approved homebuyer education course for $30. The course is available in English and Spanish. The course will teach homebuyers how to prepare to purchase a home; manage their finances; understand their credit score; get a mortgage; shop for a home; live green and protect their investment in homeownership.

Register Now

Homebuyer Education Brochure

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