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REVIEWS
Emily Rivera
I had an amazing experience with the Jose Mejia Team! They explained the home buying process beautifully, making it feel so homey and family-like. Their personalized approach really made me feel comfortable and supported throughout the entire journey. I truly appreciate their attention to detail and dedication to helping me find my dream home. Thank you, Jose Mejia Team, for your outstanding service!
Kei OhSo
José has been exceptional since the moment I met him. His passion for educating clients and providing clear, straightforward guidance truly stands out—something I value deeply. I highly recommend José for both lending and real estate services. He creates a comfortable and confident experience for anyone he works with.
Diana Castro
Jose is truly an amazing, responsive, and educational professional. What sets him apart is his genuinely caring approach he doesn't view clients as just another transaction. He consistently puts tremendous effort into his service, ensuring everyone feels deeply valued and respected. Jose excels at building a strong connection and always makes you feel completely understood. His dedication and personal investment in his clients are outstanding.
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
Connect you with affordable loan options like FHA, VA, or USDA
Guide you through the application and homebuying process
Maximize your first-time buyer benefits
Ready to Buy Your First Home in Florida?
Don’t let the down payment hold you back. With Florida down payment assistance and the right mortgage strategy, your dream of homeownership is within reach. Contact us today to see how much assistance you qualify for and take the first step toward owning a home in the Sunshine State.
Become a Home Buyer Today!
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