Homeownership Assistance Program

MMAP HAP is designed to address the need of low/moderate income families in Miami-Dade County by providing down payment and closing costs assistance to purchase their first home. It serves as a primary channel through which financial assistance flows to assist in purchasing a home.

The zero interest deferred loan program provides up to 6% of purchase price associated with first-time homebuyers for down payment and/or closing cost. This helps reduce the up front costs of purchasing a home -- making it easier for prospective homeowners to qualify for a mortgage. Homebuyers can not directly apply to MMAP for HAP funds. Application files must be submitted to MMAP HAP by an approved lender or mortgage broker.