Q. I am a Miami Beach renter. Do you have a program to help me buy my own home?
A. Yes, the City offers down payment assistance up to $150,000 for eligible applicants through its First-Time Homebuyer Program funded by the State Housing Initiatives Program (SHIP). Eligible applicants must provide 2% down and obtain a mortgage for the balance of the acquisition cost. A portion of SHIP funds must be used to improve the property.

Q. I just received a violation on my property and cannot afford to make the necessary repairs. Does the City have a program to help me?
A. Yes, the City’s Homeowner-Occupied Rehabilitation Program provides up to $70,000 in forgivable loans for eligible property owners in need of repairs to their home including those triggered by code and building violations. Participants must agree to use the assisted property as their main residence for 15 years.

Q. I am looking for a low-income rental unit and see that the City operates several buildings. Can I obtain a rental unit?
A. The City maintains 84 affordable, residential units. Because these buildings were acquired and/or rehabilitated with federal funds, the City is required to maintain a waitlist for tenants accessing these buildings. The City’s waitlist is currently closed and is expected to be re-opened in 2019.

Q. What is Fair Housing and what are my rights as a tenant?
A. The Fair Housing Act protects people from discrimination when they are renting, buying, or securing financing for any housing. The prohibitions specifically cover discrimination because of race, color, national origin, religion, sex, disability and the presence of children. The City collaborates with HOPE Fair Housing Center to educate tenants about their housing rights. You can reach HOPE via its website at www.hopefhc.com

Q. Where can I look to find affordable housing?
A. Miami-Dade County promotes Housing Locator portal here [http://www.socialserve.com/tenant/FL/Search.html?type=rental&region_id=31075]