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The South Florida DPA Directory 2026

Every Down Payment Assistance Program in Miami-Dade, Broward, Palm Beach & Collier — With Income Limits, Stack Rules & Application Tips

Why This Exists
Most buyers in South Florida leave $20K–$80K on the table because they don't know which programs they're eligible for, which stack with each other, and which have funds available right now.

What's Inside

  • ✓Complete program directory: 15+ active DPA programs across 4 counties
  • ✓Income limits by household size for 2026 — all four counties
  • ✓Stacking rules: which programs can be combined and in what order
  • ✓Maximum leverage calculator: highest stack per county
  • ✓Application timeline by program — weeks vs months
  • ✓What disqualifies you from DPA and how to fix it
WHO THIS IS FOR

Built from 20 years of licensed GC work in South Florida. Not a generic template — construction quality assessments, zoning code specifics, deal math, and real negotiating data.

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The South Florida DPA Directory 2026

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305-731-0387 · WhatsApp
Results That Go in the File

Clients Who Worked With Roland.

$18,000
Negotiated Off Before Inspection
"Roland found two unpermitted additions the seller never disclosed. A regular agent would have missed all of it."
Marcus & Priya T.
FHA · Homestead, FL
$80,000
Down Payment Grant
"Roland walked us through the Broward HOME program. The $80,000 covered our full down payment."
Patrice & Devon H.
Conventional · Miramar, FL
$3,200
Off $210K Rehab Estimate
"His renovation number was within $3,200 of final actual cost on a $210,000 rehab. That precision changes underwriting."
Raymond K.
Value-Add · Little Havana
About Roland Ruiz
Roland Ruiz — South Florida real estate advisor and Licensed General Contractor

Roland Ruiz

Florida Realtor · Licensed General Contractor

Financing readiness guidance. Roland helps buyers separate lender approval from a payment that is healthy for real life, including insurance, taxes, HOA, flood insurance, and cash needed to close.

Keller Williams Premier PropertiesLicensed General ContractorMiami-Dade · Broward · Palm Beach · Collier
Contact RolandCall 305.731.0387Homebuyer Quiz
Roland@Realtor007.ai