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Florida Hometown Heroes Housing Program

Eligible full-time workforce, employed by a Florida-based employer can receive lower than market rates on first mortgage, reduced upfront fees, and no origination points.

Check Your Hometown Heroes Eligibility
A group of community workers discussing about Florida Hometown Heroes program

Florida Housing Finance Corporation (FL Housing) offers first mortgage products and down payment and closing cost assistance second mortgage programs to eligible First Time Homebuyers through a network of approved Participating Lenders.

The FL Hometown Heroes Loan Program also offers eligible borrowers a greater opportunity to purchase a home and remain in the community in which they work and serve.

Borrowers can receive up to 5% of the total loan amount not to exceed $35,000 with a minimum of $10,000. Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage.

Fill out our form below to check your hometown heroes eligibility for free.


Program Requirements

  • 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%).

  • Borrower(s) must work full-time for an employer that is a Florida-based business, which means, the employer must have a brick and mortar location in Florida that the borrower(s) report to and/or works from.

  • 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.

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