Down Payment Assistance
Programs and Grants up to $35,000 for the State of Florida
Florida Down Payment Assistance for First-Time Homebuyers
Buying your first home in Florida? You may qualify for Florida down payment assistance programs that make homeownership more affordable. With rising home prices and increased demand, many first-time homebuyers in Florida are looking for financial support to cover the initial costs of purchasing a home—especially the down payment.
We specialize in helping first-time buyers navigate the many Florida down payment assistance (DPA) programs available today. Whether you're considering an FHA loan with just 3.5% down or looking for local grants and second mortgage options, we’re here to guide you through the process.
What is Down Payment Assistance?
Down payment assistance programs are designed to help qualified homebuyers cover part or all of their down payment and, in some cases, closing costs. These programs can come in the form of grants, forgivable loans, or deferred second mortgages—many with 0% interest and no required monthly payments.
Who Qualifies for Florida Down Payment Assistance?
You may be eligible for Florida DPA programs if you:
Are a first-time homebuyer (or haven’t owned a home in the past 3 years)
Meet income and credit requirements
Plan to live in the home as your primary residence
Complete a homebuyer education course (often required by state and local programs)
Popular First-Time Homebuyer Programs in Florida
Florida offers several statewide and local programs that provide financial assistance:
Florida Hometown Heroes Program – Up to $35,000 in assistance for frontline workers and eligible professions.
Florida Assist (FL Assist) – Offers up to $10,000 as a second mortgage with no monthly payments.
Florida Homeownership Loan Program (FL HLP) – Up to $10,000 with a low, fixed interest rate.
Local City/County Programs – Many counties in Florida offer additional support for low-to-moderate-income buyers.
FHA Loans: A Smart Option for First-Time Buyers
Many first-time homebuyers in Florida choose FHA loans because they only require 3.5% down and have flexible credit guidelines. When paired with down payment assistance, you could buy a home with little to no money out of pocket.
Get Pre-Approved and Explore Your Options
Our team of Florida mortgage experts will:
Help you determine which DPA programs you qualify for