The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.

Starting July 1st, almost all Florida residents working within the state will be eligible for Down Payment Assistance up to $35,000* or up to 5% of your home’s purchase price. There will be limited government funds available for this program, so you want to move fast.

Loan Limits by County
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Program Eligibility & Details:

  • Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.

  • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.
  • Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

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