LendResearch Est. 2026

Florida › Miami › Down payment assistance programs

Down payment assistance programs in Miami

By Kunal (KJ), former licensed mortgage loan originator · Sources: Florida OFR license file, FDIC, NCUA, firm websites, HMDA

23 firms with a Miami office list down payment assistance programs on their own sites: 8 mortgage lenders, 10 mortgage brokers, 5 banks. All are approved on the Florida license file or federally chartered. Claimed firms appear first, then firms with the most complete public data.

Is this your company? Claim free to receive inquiries from this page, add programs and contacts, and respond to or correct anything here. How claiming works · Request a correction

Other loans in Miami

Miami-Dade County at a glance

Mortgage applications filed in 202582,858
Loans originated34,236
Denial rate23%
FHA share of originations14%
VA share2%
Investor and second home share21%
Dollar volume originated$20,298,470,000
2026 conforming loan limit, 1 unit$832,750
2026 FHA loan limit, 1 unit$667,000

As of October 15, 2026Sources: FFIEC HMDA 2025 loan-level data for Miami-Dade County, FL; FHFA 2026 conforming loan limits; HUD 2026 FHA mortgage limits. Look up any county.

Questions people ask

How many lenders offer down payment assistance programs in Miami?

23 firms licensed or chartered to lend in Florida with a Miami office list down payment assistance programs on their own websites as of October 15, 2026: 8 mortgage lenders, 10 mortgage brokers, 5 banks. Every firm here is approved on the Florida Office of Financial Regulation file or insured by the FDIC or NCUA; inactive licensees are never shown.

Should I use a broker or a lender for down payment assistance programs?

Either can get you the loan. A mortgage lender funds it with its own money; a mortgage broker shops it to several lenders and does not fund it; a bank or credit union lends its own deposits. Each card says which kind the firm is. Compare at least two, and ask each whether it funds or brokers the loan.