First-Time Homebuyer Program Checklist

For the First-Time Homeowner Program certain documents are gathered by the applicant while other documents are gathered by the lender.

NOTE: All documents must be sent together as one package. Applicant provides their portion to the lender, then the lender provides the full package to the City.

Failure to submit a complete file will result in delays or rejection of the file. If you have any questions regarding any of the documents listed, please call our offices at 305- 416-2149.

Documents to be Provided by Applicant

  • Application for Homebuyer Assistance.
  • Proof of income: pay stubs (last 60 days), social security award letter, pension statement, etc.
  • Verification of applicant’s funds available for minimum down payment contribution.
  • Income Tax returns for the past two (2) years.
  • Bank statements for the last six (6) months.
  • Rent verification (canceled rental payment checks or letter from landlord).
  • Sales contract.
  • Certificate of Completion: Homebuyer Counseling Workshop.
  • Copy of Social Security card for all adult (18 years and older) household members.
  • Copy of State issued ID cards or Birth Certificates for all members of the household.

Documents to be Provided by Lender 

  • Registration Letter
  • Uniform Residential Loan Application (URLA 1003) properly signed by the applicant(s).
  • Uniform Underwriting and Transmittal Summary (form 1008).
  • Good Faith estimate and Truth in Lending forms (signed).
  • Credit report.
  • Verification of Employment (VOE) - required.
  • Affordability Study
  • Commitment letter from all other lenders.
  • Copy of property appraisal.
  • Subordinate Commitment Letters to be received within 30 days of the City’s Conditional Approval.