Hometown Heros Programs

Under the Hometown Heroes Housing Program, first-time, income-qualified buyers with 640 credit scores or more in over 50 critical professions are eligible to receive assistance for down payment and closing costs up to 5% of their mortgage amount ($35,000 maximum). All Professions are eligible to apply. The program is administered by the Florida Housing and Finance Corporation.

Orange County Down Payment Assistance Program

Florida residents in Orange County can take advantage the Down Payment Assistance Program, which provides funding to income-eligible first-time homebuyers to help them purchase a new or existing home. These funds are to be put toward paying qualified closing costs and the down payment associated with a mortgage transaction.

Palm Bay HOME Down Payment Assistance Program

The City of Palm Bay in Florida established the HOME Down Payment Assistance Program, which is designed to help income-eligible applicants with down payment and closing cost assistance to purchase their first home, and rehabilitation, if needed. 

State Housing Initiatives Partnership Program

The State Housing Initiatives Partnership (SHIP) Program in Charlotte County provides income-eligible applicants up to 10 percent of the purchase price (a maximum award of $15,000), in the form of a zero-interest loan.

Broward County Homebuyer Purchase Assistance Program

Broward County recognizes that many individuals who can afford monthly mortgage payments don't have the required down payment for a home. The Broward County’s Homebuyer Purchase Assistance Program helps potential homebuyers overcome this hurdle by offering down payment assistance.

Escambia County Down Payment and Closing Cost Assistance

The program provides down payment and closing costs assistance to income-eligible applicants in the form of a zero-interest, deferred second mortgage, with the maximum loan amount being $7,500. This can be used in conjunction with the program’s 4 percent first mortgage exclusively.

HFA Miami-Dade Mortgage Program

The Housing Finance Authority of Miami-Dade recognizes the high upfront costs of purchasing a home. To help offset this cost, the HFA offers a first mortgage as well down payment assistance to potential homebuyers. 

Hardest Hit Fund Down Payment Assistance

The Housing Finance Authority of Hillsborough County offers the Hillsborough First with Hardest Hit Fund (HHF) Down Payment Assistance Program. The program is meant to help first-time homebuyers who do not have enough money saved for hefty down payments and closing costs.

Head Start To HOME Ownership Program

The City of Jacksonville offers the Head Start To HOME Ownership Program, also known as H2H, which provides down payment and closing cost assistance to eligible applicants interested in purchasing a home.  

Home Key Plus 2nd Mortgage

The Housing Finance Authority of Pinellas County’s First-time Homebuyer Program is designed to help potential borrowers purchase the home of their dreams. Along with a first mortgage, the program helps borrowers with down payment assistance via the Home Key Plus 2nd Mortgage.  

Home Ownership Program

With their Home Ownership Program, the Housing Finance Authority of Manatee County offers homebuyers down payment assistance. In addition to a first mortgage, the program gives borrowers the chance to cover the down payment and/or closing costs as well. 

Home Sweet Home Hillsborough Program

The Housing Finance Authority of Hillsborough County offers homebuyers the Home Sweet Home Hillsborough Program that helps applicants overcome the hurdle of expensive down payments. 

Lee County FirstPlus Program

Florida's Lee County Housing Finance Authority provides first-time homebuyers down payment and closing cost assistance with the FirstPlus program. This program works on a first-come, first-served basis and is continuously funded. 

A Year From Now, You'd Wish You Had Started Today.  Homeownership is Just a Phone Call Away. Call Today to speak with our Down Payment Specialist 800-495-9811.

Down payment assistance also available in the counties below.

• Alachua,  Baker,  Bay,  Bradford,  Brevard,  Broward,  Calhoun,  Charlotta,  Citrus,  Clay,  Collier,  Columbia,  Dade,  De Soto,  Dixie,  Duval,  Escambia,  Flagier,  Franklin,  Gadsden,  Gilchrist,  Glades,  Gulf,  Hamilton,  Hardee,  Hendry,  Hernando,  Highlands,  Hillsborough,  Holmes,  Indian River,  Jackson,  Jefferson,  Lafayette,  Lake,  Lee,  Leon,  Levy,  Liberty,  Madison,  Manatee,  Marion,  Martin,  Miami-Dade,  Monroe,  Nassau,    Okaloosa,  Okeechobee,  Orange,  Osceola,  Palm Beach,  Pasco,  Pinellas,  Polk,  Putnam,  Saint Johns,  Saint Lucie,  Santa Rosa,  Sarasota,  Seminole,  Sumter,  Suwanneey,  Taylor,  Union,  Volusia,  Wakulla,  Walton,  Washington,