Miami-Dade Owner-Occupied Housing Rehabilitation

Miami-Dade County Public Housing and Community Development

Available Home Repair

About This Program

Miami-Dade Owner-Occupied Housing Rehabilitation is available to homeowners in Cutler Bay, FL.

CDBG-funded program providing forgivable loans for major home repairs and rehabilitation to owner-occupants with incomes at or below 80% AMI. Loan is forgiven after 5 years of continued occupancy and compliance.

Forgivable loan, no repayment if you remain in home 5 years

Official source site checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

In Cutler Bay, FL, you can combine this program with other local help to cut your cost:

Key Details

  • Forgivable loan up to $50,000 for major repairs
  • Must be owner-occupied in Miami-Dade County
  • Income at or below 80% AMI required
  • Loan forgiven after 5 years of compliance
  • Covers roofing, electrical, plumbing, structural repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(786) 469-2100

A grant-savvy contractor in Cutler Bay, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Cutler Bay early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling applications while funds available

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Miami-Dade Owner-Occupied Housing Rehabilitation provide in Cutler Bay, FL?

Forgivable loan up to $50,000.

Who qualifies for Miami-Dade Owner-Occupied Housing Rehabilitation in Cutler Bay?

Miami-Dade Owner-Occupied Housing Rehabilitation is open to homeowners in Cutler Bay, FL. It prioritizes low-income households.

How do I apply for Miami-Dade Owner-Occupied Housing Rehabilitation in Cutler Bay, FL?

Apply directly with Miami-Dade County Public Housing and Community Development using the official program link on this page or call (786) 469-2100. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Cutler Bay, FL contractors

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