​​​​​​​​​​​​​​​​​​​​The Housing and Urban Planning Division offers Affordable Housing Trust Funds (AHTF) to qualified buyers.​ 
Assistance is provided as a deferred-payment second mortgage at 0% interest and a 15-year term.

​​For information on income eligibility and fund availability, refer to the AHTF Flyer below.

LINK TO FLYER​

Lenders reserve funds and apply on the buyer's behalf; no online applications.

​AHTF Program Overview

  • ​Funding Limit: Up to $100,000 is available per household
  • Eligibility: Households must earn below 120% of the Area Median Income (AMI)
  • ​Location: Eligible properties can be located anywhere in Broward County
  • Availability: Funds are allocated by commission district on a first-come, first-qualified, first-served​ basis
  • ​​Maximum sales price of $679,324.

Instructions​​

  1. Take a Homebuyer Education class from a Certified HUD-approved Counseling Agency. Download​​ a list of local agencies here or visit the HUD w​eb​

  2. Obtain first mortgage approval from a lender, or select a lender from the Participating Lenders List and contact them directly. ​​​​
    If you are a lender and need the County's Affordable Housing Trust Fund Program Lender Guidelines, click here.​   
    ​
    (*Disclaimer: The Housing and Urban Planning ​Division is not responsible for the borrower's selection of a lender and/or Homebuyer Education class, financing terms, actions, or decisions made by lenders or counseling agencies.​)                                                                              ​​

  3. ​​Identify the commission district where the property being purchased is located and confirm that funds are available for that district.​

  4. ​Once you have identified a property, your LENDER will need to contact our office for further instructions on how to proceed. ​

  5. The lender emails our office to reserve funds and to obtain further instructions. 

Note: Our income certification approval and funding process takes 5-6 weeks after we receive the lender's package.​

​​​​Homebuyer's gross annual household income must be certified by Broward County. ​

​Program Features:

  • The buyer must contribute three percent (3%) of the purchase price; this does not apply to VA loans.​
  • A comprehensive home inspection report is required
  • You may purchase an existing home or a new construction home
  • You must own and occupy the home as your primary residence
  • Eligible properties include single-family residences, condominiums, villas, and townhomes located within Broward County service areas. Mobile homes and cooperatives are not eligible.​​​​​​​​