Minor Home Repair Program
(This is not a remodeling program)
The City of Miramar, through the use of federal and state funds awarded to the City, provides home repair assistance for very low-to-low-income households in owner occupied housing units throughout the City. Owners must occupy the unit as their primary residence. Assistance is in the form of a 15 year, 0% interest deferred second loan that reverts to a grant if all program conditions are met. This program is administered by the City of Miramar in conjunction with the City’s consultant, Community Revitalization Affiliates Inc.
Assistance is budgeted for an amount up to $70,000. Funding is limited and applications are processed on a first come, first qualified, first served basis. All information presented is verified. All applicants must meet federal income guidelines.
If you have received assistance from the City previously and have an existing home repair mortgage from the City of Miramar on your property, you may not be eligible for additional assistance.
Illegal additions and conversions may be brought up to code, based on funding availability. As a participant of this program, code-related repairs will be addressed first, if the city provides assistance. A hold harmless agreement will be signed by all homeowners if an illegal addition exist it is the responsibility of the homeowner to legalize home with proper permits.
Homeowners will be required to maintain hazard and flood insurance for the duration of the City’s second mortgage. Homeowners must be current with their mortgage(s), property insurance and HOA dues to receive assistance.
Homeowners will be required to comply with all program requirements to receive assistance.
Loan funds shall be used to fund the following repairs/improvements subject to funding availability:
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Eliminate building code violations. (Priority)
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Replace damaged roofs.
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Repair/Replace/Install windows/door openings/Shutters/Impact Glass (Storm Mitigation).
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Repair, upgrade, or replace major building systems, as necessary. Major building systems include Structural, Electrical, Plumbing, Heating, Ventilation, Air Conditioning and Sewer System.
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Abate any health and safety issues in the home.
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Address emergency conditions as determined by City’s Building Department.
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Painting will be limited to the exterior of the home. Interior painting will be addressed only as part of interior repair/rehabilitation.
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Prevent weather penetration, promote energy efficiency/green initiatives including the use of Energy Star products in the home.
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The city has instances where homeowners purchased units where spaces such as garages or carports, were illegally converted to create additional rooms. These are considered code violations and may be corrected by reconstructing the illegal addition(s) to a legal room addition, subject to funding availability and ability to complete within the established budget.
Please Note: Rehabilitation work is not the same as remodeling.
All of our programs require:
Complete tax return and transcripts as well as Bank statements all pages even if blank, paystubs, and any additional income that may be required by the city.
All household members 18 and older must sign the application, if full time student must provide current school schedule, report card displaying home address, school name and current year attending.
If approved for this program, you must allowed entry to the contractor and sub-contractors failure to allow them into your property will result in closure of the project and you will solely be responsible for any incomplete line items. Keep in mind that all line items from the scope will not be approved and many line items will be deleted, you have been made aware ahead of time.
The loan is forgivable in its entirety at the end of (15) fifteen years from the recordation date of mortgage and note. Full repayment of the loan is due if the home is sold, title is transferred or conveyed, or the home ceases to be the primary residence of the owner during the fifteen (15) year occupancy period.
For further information or assistance, contact City of Miramar Grant Consultant (954) 939-3271.
Broward County Maximum Income Limits Per Household Size
HUD release: 4/1/2025 Effective: 4/1/2025
Household Size | Extremely Low 0%-30% | Very Low 31%-50% | Low 51%-80% | Moderate 81%-120% |
|---|---|---|---|---|
1 | 24,250 | 40,350 | 64,550 | 96,840 |
2 | 27,700 | 46,100 | 73,800 | 110,640 |
3 | 31,150 | 51.580 | 83,000 | 124,440 |
4 | 34,600 | 57,650 | 92,200 | 138,360 |
5 | 37,650 | 62,250 | 99,600 | 149,400 |
6 | 43,150 | 66,900 | 107,000 | 160,560 |
7 | 48,650 | 71,500 | 114,350 | 171,600 |
8 | 54,150 | 76,100 | 121,150 | 182,640 |
Florida Housing Finance Corporation (FHFC) income and rent limits are based upon figures provided by the United States Department of Housing and Urban Development (HUD) and are subject to change. Updated schedules will be provided when changes occur.
Programs are administered by the City of Miramar in conjunction with the City’s consultant, Community Revitalization Affiliates, Inc.