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PACE active

Miami-Dade County — home upgrades at $0 down

Live in Miami-Dade County? APEX matches you with vetted, licensed Florida contractors and $0-down financing options tailored to your project — so hurricane-hardening and energy upgrades can start at $0 down.

Find my contractor
  • Licensed
  • Insured
  • Financing options
  • $0 down
Financing statusPACE active

How $0-down works in Miami-Dade County

Residential PACE is active in Miami-Dade for energy, renewable, and hurricane-hardening upgrades.

PACE program: Florida PACE Funding Agency

Repaid through your property-tax bill, with the balance typically transferable if you sell.

APEX is an independent contractor-matching service — not a lender, contractor, or PACE administrator. Financing is provided by third parties and subject to eligibility.

How it works here

From match to done — at $0 down

01

Get matched free

Tell us your project and we connect you with a vetted, licensed Miami-Dade County contractor — usually within one business day.

02

Approve & finance

Qualifying upgrades are financed through PACE at $0 down — approval is based mainly on home equity, not your credit score.

03

Repay on your tax bill

The balance is repaid over time as a line on your property-tax bill, and can transfer with the home if you sell.

  • Licensed
  • Insured
  • Financing options
  • $0 down
Coverage

Cities in Miami-Dade County

We serve property owners across Miami-Dade County. Cities with a dedicated page have local permitting and project detail — more are added as coverage grows.

MiamiHialeahMiami GardensDoralHomesteadKendallCoral Gables
Popular upgrades

What Miami-Dade County homeowners finance at $0 down

These are the highest-value projects we match for here — each financed with nothing upfront.

Impact Windows & Doors

Hurricane-rated impact windows and doors that protect your home, cut your insurance, and lower your energy bills.

Explore impact windows & doors

Roofing

A new, code-compliant roof built for Florida storms — financed with $0 down through PACE.

Explore roofing

HVAC & Air Conditioning

High-efficiency A/C and HVAC that beats Florida heat and humidity while cutting your power bill.

Explore hvac & air conditioning
Project Matcher

Get matched in Miami-Dade — $0 down

Answer a few quick questions. No commitment, no credit hit.

Step 1 of 3 — What's your project?

Step 1 of 3

What's your project?

$0 down

Ready to upgrade with $0 down?

Tell us about your project and we'll match you with the right contractor and financing.