Income Limits for Every Down Payment Assistance Program in Florida | 2025

Looking to buy a home in Florida but not sure if you qualify for down payment assistance?

See Which Florida Down-Payment Assistance Programs You Qualify For

Each state program has specific income limits that determine eligibility, and those limits vary by county and household size.

This guide breaks down the income limits for every major down payment assistance program in Florida, so you can quickly find out where you stand.

What Are Florida Down Payment Assistance Income Limits?

Florida down payment assistance income limits set the maximum household income you can earn and still qualify for help with your home purchase.

These limits vary by program, county, and household size, and are usually based on a percentage of the Area Median Income (AMI)—often 80%, 120%, or even 160%.

Some programs have no income limits at all, while others are very strict.

To qualify, your total household income typically needs to fall below the limit set for your area and family size.

Checking these limits early is key, because going just a few dollars over can make you ineligible.

See Which Florida Down-Payment Assistance Programs You Qualify For

Why Income Limits Range So Much — And Why You Need to Check Yours

Before diving into the numbers, it’s important to understand that income limits for Florida’s down payment assistance programs aren’t one-size-fits-all.

They vary widely — typically between $53,840 and $178,880 — depending on where you’re buying, how many people are in your household, and which program you’re applying for.

Some programs use 80% of the Area Median Income (AMI), while others allow up to 160%.

Household size, loan type, and even targeted vs. non-targeted areas can all change your limit. That’s why the best way to know where you stand is to verify your eligibility online — our tool considers all these factors to give you a clear, accurate answer.

See Which Florida Down-Payment Assistance Programs You Qualify For

See Which Florida Down-Payment Assistance Programs You Qualify For

Florida Down Payment Assistance Programs With No Income Limits

Some Florida programs let you bypass income restrictions entirely, making them a great fit for higher-income households or buyers who don’t qualify for traditional assistance due to earnings.

Here are the main programs with no income limits:

• VA Home Loan – Available to eligible veterans, active-duty service members, and some surviving spouses; offers 0% down with no income cap.

• FHA Simply Solar Loan – A solar-focused FHA program that allows borrowers to get up to $13,000 in cash they can use for anything they want when you combine home and solar financing.

• Arrive Home™ Earned Equity Program – A no-down-payment option that builds equity over time without factoring income into eligibility.

• Good Neighbor Next Door (GNND) – Offers 50% off HUD-owned homes to teachers, law enforcement, firefighters, and EMTs; no income limits, but strict job and location requirements apply.

See Which Florida Down-Payment Assistance Programs You Qualify For

Florida Down Payment Assistance Income Limits – FAQ

Here are the most common questions Florida homebuyers ask about income limits for down payment assistance programs.

What are Florida down payment assistance income limits?

They set the maximum household income you can have to qualify for a Florida-based assistance program, based on your location and family size.

How is household income calculated for Florida down payment assistance?

Most Florida programs count the combined gross income of all adults living in the home, not just the borrower.

Do all Florida down payment assistance programs have income limits?

No, a few Florida programs—such as VA loans and the GNND program—have no income caps at all.

Why do income limits vary by Florida county?

Because income limits are based on Area Median Income (AMI), which changes from one Florida county to another.

Can I qualify for Florida assistance if I'm self-employed or have fluctuating income?

Yes, but you'll need to provide Florida-accepted documentation like tax returns and profit/loss statements to prove income stability.

Do Florida programs use gross or net income?

Most Florida down payment assistance programs use gross income, which is your income before taxes and deductions.

What if my income is slightly over the Florida income limit?

You may be disqualified, but some Florida programs consider only borrower income, which may help you qualify.

Do I have to count my spouse’s income on Florida assistance applications if they’re not on the loan?

It depends on the program—some Florida assistance options use total household income even if your spouse isn’t listed on the loan.

How often do Florida income limits for assistance programs change?

Florida programs typically update income limits once per year, based on new HUD or state housing data.

How can I check if I meet Florida down payment assistance income limits?

Use a Florida-specific eligibility checker that factors in your county, household size, and the latest income thresholds.