Explore Over 70 Florida Down-Payment Assistance Programs
At Make Florida Your Home, we’ve done the hard work of digging through every single down payment assistance program across the state—over 70 in total.
Our mission is simple: make it easy for you to understand which programs you qualify for so you don’t leave free money on the table.
On average, the buyers we help secure thousands of dollars in down payment and closing cost assistance, cutting years off the time it takes to save for a home.
Whether it’s statewide programs, county-specific grants, or city-funded initiatives, we break it all down in plain English so you can focus on finding your dream home—not decoding fine print.
Find the Florida DPA Programs You Qualify For
Answer a few quick questions and get a personalized list of Florida down payment assistance options. Fast, free, and made for first-time buyers.
- See programs you’re likely to qualify for
- Estimate your potential assistance
- No obligation, no hard credit check
We respect your privacy. Your info is used only to match programs and lenders.
Top Florida DPA Programs at a Glance
Florida offers dozens of down payment assistance options.
To make it simple, here are three of the most popular programs, explained at a glance so you can quickly see how they work.
Florida Hometown Heroes Loan Program
Official Expert Pick
Help Amount: Up to 5% of your loan (max $35k). 0% interest, forgivable after 5 years.
Who It’s For: Essential workers and military buyers looking for the biggest boost and lower rates.
Why It’s Great
- Lower interest rates
- Forgiven after 5 years
- Made for essential workers + military
Basics
- Income limits vary by county
- Min 640 credit score
- Must be a Hero job, active-duty, or veteran
Florida Plus TBA Down Payment Assistance
Official Expert Pick
Help Amount: Choose 3%, 4%, or 5% of your loan as a second mortgage. Monthly payments, not forgivable.
Who It’s For: Buyers who aren’t Heroes but still want up to 5% in down payment help.
Why It’s Great
- Pick your assistance level (3–5%)
- Open to all qualified buyers
- Works with Freddie Mac loans
Basics
- Income limits apply by county
- Min 640 credit score
- Home must be your primary residence
Florida Bond Program – FL Assist $10,000 Loan
Official Expert Pick
Help Amount: $10,000 at 0% interest. No payments until you sell, refinance, or pay off the loan.
Who It’s For: First-time buyers who want simple, no-payment help up to $10k.
Why It’s Great
- No monthly payments
- 0% interest
- Works with FHA, USDA, or VA loans
Basics
- Income limits by county
- Min 640 credit score
- Must be a first-time buyer
Want to See All 70 Programs?
We’ve put together the complete guide to every Florida first-time homebuyer program available in 2025.
👉 Explore All 70 Florida Programs
What Does Florida DPA Offer?
✅ Cash grants – No repayment required
✅ Forgivable loans – Paid at closing or forgiven over time
✅ Tax credits & interest rate subsidies – Lower borrowing costs
✅ Exclusive programs for teachers, nurses, first responders & more
Most DPA programs in Florida are managed by state and local governments, nonprofits, and private organizations, each with unique eligibility criteria.
Some require FHA loans, while others are open to various financing options.
Find the Florida DPA Programs You Qualify For
Answer a few quick questions and get a personalized list of Florida down payment assistance options. Fast, free, and made for first-time buyers.
- See programs you’re likely to qualify for
- Estimate your potential assistance
- No obligation, no hard credit check
We respect your privacy. Your info is used only to match programs and lenders.
