Pembroke Pines
Assistance Program
Check Eligibility

Pembroke Pines Down Payment Assistance

Get up to $75,000 in 0% interest funding to purchase your first home in Pembroke Pines. Updated for 2026 Guidelines.

See If You Qualify

Available for First-Time Homebuyers

Up to $75,000

Based on your income level (AMI), receive between $40k and $75k to cover down payment and closing costs.

0% Interest

Assistance is structured as a deferred second mortgage with 0% interest and no monthly payments.

Forgivable

The loan converts to a grant after 10 years of continuous occupancy as your primary residence.

Program Overview (2026)

The City of Pembroke Pines uses State Housing Initiatives Partnership (SHIP) and HOME funds to help residents achieve homeownership.

1 Assistance Amounts

Assistance depends on your household income relative to the Area Median Income (AMI):

  • Up to $75,000 for Very Low Income (≤ 50% AMI)
  • Up to $60,000 for Low Income (51%–80% AMI)
  • Up to $50,000 for Moderate Income (81%–140% AMI)

*HOME-funded files have slightly lower caps ($40k-$50k max). Most files are SHIP-funded.

2 Who is Eligible?

Borrower Requirements

  • •First-time homebuyer (no ownership in last 3 years).
  • •Must contribute at least 1% of purchase price.
  • •Must complete 8-hour HUD-approved education.
  • •Must qualify for a first mortgage.

Property Requirements

  • •Located inside City of Pembroke Pines limits.
  • •Single-family, condo, townhouse, or villa.
  • •Max Price (SHIP): $679,324.
  • •Max Price (HOME): $418,000.

3 Forgiveness & Terms

The assistance is a 0% interest, deferred second mortgage. If you reside in the home as your primary residence for the full 10-year term, the loan is fully forgiven.

Note: Repayment is required if you sell, refinance (cash-out), rent out the property, or transfer title within the 10-year period.

Scroll down to check eligibility

2026 Income Limit Guidelines

Your total household income must fall within these ranges to qualify. The City uses the Broward County HUD income chart. (Limits subject to annual adjustment by HUD/Treasury)

Household Size Very Low (50% AMI) Low (80% AMI) Moderate (140% AMI)
1 Person $33,650 $53,850 $94,220
2 People $38,450 $61,550 $107,660
3 People $43,250 $69,250 $121,100
4 People $48,050 $76,900 $134,540
5 People $51,900 $83,100 $145,320
6 People $55,750 $89,250 $156,100

*Figures above are estimates based on Ft. Lauderdale HMFA data.
Check eligibility below for your specific situation.

Your Path to Homeownership

Follow these steps to secure your assistance funds.

1. Pre-Qualification

Get pre-approved with a participating lender for a 30-year fixed first mortgage. The city does not originate the first loan; you must bring your own financing.

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2. Find a Home

Go under contract on an eligible property within Pembroke Pines city limits. It must be an existing home (no pre-construction) and under the price cap ($679,324 for SHIP).

3. Submit Application

Your lender will submit your package (contract + pre-approval) to CRAFLA. You will then schedule an appointment to income-certify your household.

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4. Education & Approval

If approved, you receive a reservation of funds letter. You must also complete an 8-hour HUD-approved homebuyer education course.

5. Closing

CRAFLA reviews the final Closing Disclosure 48 hours before closing. Once cleared, you sign, close, and move into your new home!

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Required Document Checklist

To ensure a smooth application process with CRAFLA, have these documents ready once you start working with a lender.

  • Last 3 Years of Tax Returns (W-2s & 1040s)
  • Last 3 Months of Pay Stubs
  • Last 6 Months of Bank Statements
  • Pre-Approval Letter from Lender
  • Copy of Driver's License & SS Card
Family reviewing home purchase documents with a financial advisor

"Getting organized early made the difference between winning the bid and missing out."

Why Buy in Pembroke Pines?

Prime Location

Centrally located with easy access to I-75 and the Turnpike, making commutes to Miami or Fort Lauderdale a breeze.

Top-Rated Schools

Home to numerous A-rated public and charter schools, making it one of the most desirable family communities in South Florida.

Vibrant Lifestyle

Enjoy dozens of parks, the Shops at Pembroke Gardens, and a robust community calendar of events year-round.

Frequently Asked Questions

Can I rent out the property?

No. You must occupy the home as your primary residence. Converting it to a rental within the 10-year term triggers an immediate repayment requirement.

Can I buy pre-construction?

No. The program requires the property to be existing and ready for occupancy at the time of purchase. Pre-construction contracts are not eligible.

What if I sell before 10 years?

If you sell, transfer title, or refinance (cash-out) before the 10-year term is up, you must repay the full amount of the assistance to the City.

Do I need good credit?

Yes. While the City helps with the down payment, you must still qualify for a standard first mortgage (FHA, Conventional, etc.) with an approved lender.

Check Your Eligibility

Find out if you qualify for the 2026 Pembroke Pines Down Payment Assistance Program.

Your information is secure and will be used solely to determine program eligibility.