1st TIME HOMEBUYERS: Moderate Income Mortgage Assistance

 

 

APPLICATION PERIOD OPEN

Mortgage Assistance (MIMA) Program_Flyer_2025_2.jpg

The Moderate-Income Mortgage Assistance Program provides eligible first-time homebuyers with up to $30,000 in deferred loan assistance (up to 10% of the purchase price) to help with down payment and/or closing costs for a home located within the City of Miramar. This assistance will make homeownership more attainable for households within this income bracket and reflects the City's commitment to expanding homeownership opportunities for moderate-income residents and supporting community growth. 

Program Features

  • Maximum Assistance: Up to $30,000 in deferred loan assistance.
  • Eligible Uses: Down payment assistance, Closing costs

Applicant Eligibility Requirements

  • First-time homebuyer (no homeownership in the past 3 years)
  • U.S. citizen or legal resident
  • Household income not exceeding $165,000
  • Applicants must contribute a minimum of 1% of their own funds toward the purchase

Property Requirements

  • Must be located in the City of Miramar
  • Must be a primary residence (no investment or rental properties)
  • Eligible property types include single-family homes, townhomes, and lender-approved condominiums

APPLICATION PROCESS

To begin the pre-application process, the following two documents are required:

  1. A mortgage pre-approval letter based on income (City assistance may not be included)
  2. A fully executed purchase and sale contract for a Miramar property

Additional supporting documents required can be found at this checklist: Purchase Assistance Supporting Documentation-Checklist(PDF, 180KB)

Once these documents are reviewed and accepted, you will be invited to complete the full application and income certification process.

You may submit these and other supporting documentation via Neighborly, the City’s electronic application portal:

https://portal.neighborlysoftware.com/CITYOFMIRAMARFL/Participant

 

Interested residents may apply via Neighborly, the City’s electronic application portal:  https://portal.neighborlysoftware.com/CITYOFMIRAMARFL/Participant 

For Lenders

Please review our Financing Guidelines here: City-of-Miramar-Purchase-Assistance-Financing-Guidelines.pdf(PDF, 115KB)

 

For more information and lender guidelines, please contact 954-883-5386 housing@miramarfl.gov

 

 

 

 

 

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