Florida Housing Finance Corporation (FL Housing) offers a range of first mortgage products, as well as down payment and closing cost assistance programs, to help eligible first-time homebuyers achieve homeownership.
These programs are available through a network of approved Participating Lenders.
The FL Hometown Heroes Loan Program provides even greater opportunities for eligible borrowers, helping them purchase a home and remain in the communities where they work and serve.
Qualified borrowers can receive up to 5% of the total loan amount (with a minimum of $10,000 and a maximum of $35,000) in down payment and closing cost assistance.
This assistance is provided in the form of a 0% interest, non-amortizing, 30-year deferred second mortgage—making homeownership more accessible and affordable.
Fill out the form below to check your Hometown Heroes eligibility for free!
See If You Qualify for Florida Hometown Heroes
A quick pre-check to confirm eligibility and estimate your potential down payment & closing cost help.
- ✔️ Built for Florida essential workers and military
- ✔️ Fast: about 1 minutes to complete
- ✔️ No obligation and no hard credit pull
Official Program Expert Help Available
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Program Requirements
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All Borrowers must have a minimum FICO of 640 (Manufactured housing require a minimum 660) and maximum DTI of 50% (Maximum DTI with manufactured housing is 45%).
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Borrower(s) must work full-time in an eligible frontline occupation (such as teachers, healthcare, first responders, childcare, court staff, or military/veterans) for a Florida-based employer that has a brick-and-mortar location in the state where the borrower(s) report to and/or work from.
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ALL borrower(s) are first-time homebuyers which means, a borrower(s) must have had no present ownership interest in a principal residence at any time during the three-year period prior to the date on which the Mortgage Loan is executed.
- Borrower(s) must not exceed the maximum Income & Loan Limit requirements, household size, for the county in which the property is being purchased.
