Florida’s Premier First-Time Homebuyer Resource

Most Florida down payment assistance programs require a minimum credit score of 580–640, depending on the lender and program.

For example, FHA and Chenoa programs allow scores starting at 580, while Florida Hometown Heroes and Florida Assist typically need 640 or higher.

First-time homebuyers in Florida can receive up to $35,000 in down payment and closing cost assistance through programs like Hometown Heroes, Florida Assist, or 3–5% forgivable DPA programs.

Depending on your income and profession, you could cover your entire down payment and part of your closing costs.

No. Some Florida programs, including Hometown Heroes and certain local city or county grants, allow repeat buyers who haven’t owned a home in the past three years.

If you sold your last home years ago, you may still qualify as a first-time buyer under program rules.

Most buyers get pre-approved within 24 hours after submitting income, credit, and employment details.

Some lenders even offer same-day pre-qualification, allowing you to start home shopping immediately with your pre-approval letter.

The Florida Hometown Heroes Program provides up to $35,000 in down payment and closing cost assistance for eligible workers such as teachers, nurses, police officers, and first responders.

To qualify, you must:

• Work 35+ hours per week for a Florida-based employer.
• Meet county-specific income and credit limits.

It’s one of Florida’s most popular programs, helping thousands of local workers become homeowners each year.