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FL
Florida Hometown Heroes Program
Down payment and closing cost assistance up to $35,000 for first-time Florida home buyers in eligible occupations. 0% interest deferred second mortgage with no monthly payment.
About this program
Florida Legislature considering $50-75M for FY 2026-27. 2025-26 allocation committed by late February 2026. Confirm current funding status before relying on program.
Eligibility
First-time home buyers working full-time (35+ hours/week) for a Florida-based employer. 640 minimum credit score. Income limits up to 150% of Area Median Income, varies by county. Must complete HUD-approved homebuyer education course. Home must be primary residence. Veteran exemption on work requirement.
Funding Categories
Down Payment Assistance