BUYER STRATEGY
How to Buy With Little Money Down
Every DPA (Down Payment Assistance) program in Miami-Dade, Broward, and Palm Beach — including grants, loans, and incentives.
How to Buy With Little Money Down
CERTEZZA REALTY
2026 EDITION
WHAT YOU'LL DISCOVER
Buy With Less Down
Low down payment programs have expanded in 2026. This guide maps out every DPA option in your area, from grants to employer programs to state incentives.
- Hometown Heroes DPA: $35K assistance for essential workers like teachers, nurses
- First-time homebuyer grants: non-repayable down payment assistance programs
- Employer DPA programs: companies offering down payment help to employees
- Lender credits and concessions: getting sellers to pay your costs
- FHA loans with 3% down and VA loans with 0% down explained
- How to stack programs: combining multiple assistance sources for maximum help
Trusted by South Florida homebuyers & sellers.
Backed by 25+ years of local market expertise across Miami-Dade, Broward & Palm Beach.
Backed by 25+ years of local market expertise across Miami-Dade, Broward & Palm Beach.
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