Affordable Housing

Affordable housing and tenant rights have become a focal point of conversation given recent trends in the housing market. In 2021 Florida led the nation in housing unaffordability with 56.5 percent of renters spending 30 percent or more of their income on housing. It is with this knowledge that The City of North Miami Beach seeks to make it easier for residents to access resources that are aimed at helping anyone who needs assistance during this time.

North Miami Beach Resources

Paint, Plant, and Pave Program – For eligible owner-occupied residential properties, up to four multifamily units. Grants of up to $10,000 are available for painting, landscaping, and other exterior improvements. 

Wastewater Impact and Connection Fee Assistance Program – To improve older properties in the Redevelopment Area by connecting to the wastewater/sewer system. The key objectives of the Program are to stimulate employment and increase business and investment within the CRA. 

Housing Rehabilitation Program – To provide up to $18,000 to replace windows, doors, and roofs. Applicant must own and occupy the single-family residence, townhouse, duplex, or quadplex, and have an annual household income at or below 80% area median income. Priority is given to households that include the elderly (age 62 or older) and/or disabled property owners. 

The City resources mentioned above can be found on https://www.citynmb.com/1290/CRA-Incentives. 

Miami Dade County

Home Rehabilitation Programs  

This program offers a forgivable loan to help low-income, qualified single-family homeowners make repairs. Repairs that eliminate health/safety issues, correct code violations, or increase energy efficiency will be prioritized. For more information click HERE

Home Weatherization Assistance

Aimed at assisting low-income homeowners with making their homes more energy efficient with cost saving measures such attic insulation, low flow showerheads etc. For more information click HERE 

Paint and Hurricane Shutter Assistance

First come first served loans aimed at assisting homeowners with exterior painting or accordion shuttering their homes. For more information click HERE 

Rental and Other Assistance for the Homeless or Evicted

First month’s rent payment, security deposit, mortgage etc. for residents who are homeless or have been evicted. Limited to one type of assistance per year. For more information click HERE 

Residential Construction Mitigation Program

Aimed at retrofitting homes to protect against severe winds. Services include re-roofing, opening (windows/shutters) protection etc. Applications are accepted on a first come first served basis with priority given to low to moderate income households, seniors, and households with children. For more information click HERE 

Interested In Purchasing A Home?

Miami-Dade County has two (2) homeownership programs available.  Click on the various links below to learn more about the homeownership programs.

Public Housing and Community Development (PHCD) Homeownership Program 

  • Affordable Housing Homebuyer Loan Program:

Limited to one time only per family, this program offers subsidized loan mortgages to first time homebuyers through the County’s loan program with the aim of bringing out of pockets costs to an affordable level. For more information click HERE

Program Guidelines

Miami-Dade Economic Advocacy Trust (MDEAT) (HAP)

Designed to increase the number of first-time home purchases for low to moderate income residents living in Dade-County by offering zero interest deferred loans towards down payments and closing costs.

Miami-Dade Economic Advocacy Trust

Rental and Utility Assistance

  • Miami-Dade County (MDC) Emergency Rental Assistance Program 2.4 (ERAP 2.4) 

Designed to help residents that are unable to pay an increase in rent. This program will cover the difference between the current rent and the new rent for a period of three months. Click HERE

OHA website

The Tenant’s Bill of Rights ordinance that was passed by the Board of County Commissioners on May 3, 2022 to assist renters with safe, stable and affordable rental housing, and served to formalize Miami-Dade County's Office of Housing Advocacy.  You can click on the link for the actual Ordinance 22-47.  The Notice of Tenant Rights is available in English, Spanish, and Creole and can be found under the resources for Landlords on the webpage  or by clicking below:

State of Florida Resources

First-Time Homebuyer Program - Offers 30-year, fixed rate first mortgages for first-time homebuyers who meet income, purchase price and other program criteria. 

Down Payment Assistance Program – Provides assistance to qualified first-time homebuyers for down payment and closing costs associated with purchasing a home. 

Florida Hometown Heroes Housing Program- 

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans.

Florida Hardest-Hit Fund Program – Assists, with federal funds, housing markets that have been hardest-hit with foreclosures, housing price declines, and unemployment. Florida has received about $1 billion since 2010. Florida currently has four programs for qualified homeowners: Unemployment Mortgage Assistance 

Principal Balance of the First Mortgage 

Elderly Mortgage Assistance 

Mortgage Modification Enabling Pilot 

The State resources mentioned above can be found on https://www.floridahousing.org/programs. 

Federal Resources:

Emergency Solutions Grant: Provides funds to rehabilitate and operate emergency and transitional shelters, provide essential social services, and prevent homelessness. 

Housing Choice Vouchers (formerly Section 8) – Allows qualified families to lease or purchase safe, decent, and affordable privately-owned rental housing. 

The Federal resources mentioned above can be found on https://www.hudexchange.info/programs/.

Affordable Housing Townhall

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