50 Florida First-Time Home Buyer Grants & Programs (2026 Guide)

Florida first-time buyers don’t just “save a little”—many reduce cash-to-close by thousands to tens of thousands with down payment assistance (DPA), forgivable seconds, and reduced-rate first mortgages.

One of the biggest statewide options, Florida Hometown Heroes, can provide up to $35,000 in down payment and closing cost assistance for eligible, income-qualified full-time workers buying a primary residence in the community where they work.

This guide covers 50 Florida first-time homebuyer grants and programs—starting with statewide programs (the easiest to use), then moving into high-impact county and city options across South Florida, Central Florida, Tampa Bay, the Panhandle, and the Treasure Coast.

Requirements for Florida first-time homebuyer programs in 2026

Most Florida first-time homebuyer programs require some or all of the following:

• First-time homebuyer status (usually no ownership in the last 3 years)
• Primary residence occupancy (you must live in the home)
• Income limits + purchase price caps (based on county/household size)
• Homebuyer education (often HUD-approved)
• Approved lender + compliant first mortgage (often 30-year fixed)
• Documented funds + minimum buyer contribution (varies—sometimes $500–$1,000+)

A “first-time homebuyer” in Florida programs usually means you haven’t owned a home in the last 3 years, though veterans and buyers in targeted areas may qualify even if they owned more recently.

Explore 50 Florida Homebuyer Programs (2026)

Florida first-time buyers can often get $10,000–$35,000+ in down payment and closing cost help—through statewide programs, county DPAs, and city grants.

Program amounts, income limits, purchase price caps, and funding windows change frequently. Always confirm details with the program administrator or a Florida Housing-approved lender

Florida Hometown Heroes Program

Maximum assistance: Up to 5% of loan amount, max $35,000, typically a 0% deferred second.

Best for: Eligible full-time Florida workers needing major cash-to-close relief.

Primary restrictions: Primary residence, county income limits, job eligibility list, minimum credit score (commonly 640+), approved lender/first mortgage.

Repayment trigger: Usually due on sale/refinance/move-out; forgiveness may apply if occupancy rules are met.

How to apply: Get pre-approved with a Florida Housing-approved lender; lender submits Hometown Heroes enrollment with the loan file.

Florida Assist (FL Assist) Down Payment Loan

Maximum assistance: Up to $10,000, 0% interest, no monthly payment (deferred second).

Best for: Buyers who qualify for the payment but are short on down payment/closing costs.

Primary restrictions: Must pair with eligible Florida Housing first mortgage, primary residence, first-time/veteran/target-area rules apply, county income and price limits.

Repayment trigger: Sale, refinance, payoff of first mortgage, transfer, or no longer primary residence.

How to apply: Through a participating Florida Housing lender during your first mortgage application.

Florida HLP (FL HLP) Down Payment Loan

Maximum assistance: Up to $12,500, typically an amortizing second with interest (often around 3%) and a small payment.

Best for: Buyers needing more than $10,000 who can handle a small second-mortgage payment.

Primary restrictions: Florida Housing first mortgage required, primary residence, income/price limits, credit minimums.

Repayment trigger: Standard loan repayment; may also be due on sale/refinance depending on note terms.

How to apply: Via Florida Housing-approved lender; packaged with your first mortgage.

Florida HFA Preferred Plus (Conventional) Program

Maximum assistance: Often 3%–5% of loan amount as a second mortgage (repayable; terms vary by product).

Best for: Conventional buyers under income limits who want assistance without FHA mortgage insurance.

Primary restrictions: Must use approved conventional HFA first mortgage, income/price limits, credit thresholds (often 640–660+), primary residence.

Repayment trigger: Based on second mortgage note (often due on sale/refinance/move-out and/or amortized).

How to apply: Use a Florida Housing-approved lender offering HFA conventional products.

Salute Our Soldiers Military Loan Program

Maximum assistance: First mortgage product with access to DPA options (amount depends on pairing).

Best for: Active duty, veterans, eligible surviving spouses wanting program-based pricing and assistance.

Primary restrictions: Military eligibility plus Florida Housing rules; primary residence; income/price limits may apply.

Repayment trigger: Depends on paired assistance (deferred/forgivable/repayable).

How to apply: Start with a participating lender experienced in Florida Housing and VA/military products.

Miami-Dade County Homebuyer Down Payment Assistance Program

Maximum assistance: Often up to around $35,000 (varies by funding cycle), typically deferred 0% second.

Best for: First-time buyers in Miami-Dade with steady income but limited savings.

Primary restrictions: County income and price limits, approved lender/first mortgage, education/counseling, primary residence.

Repayment trigger: Sale/refinance/move-out or end of affordability period; some structures include recapture.

How to apply: Apply through Miami-Dade housing/approved partners plus your lender once pre-approved.

Miami-Dade Advocacy Trust Grant

Maximum assistance: Up to $28,500 as a 0% no-payment second, forgiven after long-term occupancy (often 20 years).

Best for: Buyers needing large cash-to-close help and planning to stay long-term in Miami-Dade.

Primary restrictions: First-time buyer, income/price caps, education requirement, primary residence, approved lender.

Repayment trigger: Typically due if sold/refinanced/moved out before forgiveness term ends.

How to apply: Through the county program process and a participating lender when under contract.

Miami-Dade HFA First-Time Homebuyer Program

Maximum assistance: Assistance bundled with an HFA first mortgage (amount varies by product).

Best for: Buyers who want a single HFA workflow (rate plus assistance).

Primary restrictions: HFA income/credit/purchase-price rules; primary residence; approved lender.

Repayment trigger: Depends on the second-mortgage structure and occupancy rules.

How to apply: Choose an HFA participating lender; lender originates under HFA guidelines.

Broward County Homebuyer Purchase Assistance (HPA)

Maximum assistance: Commonly up to $80,000 countywide (varies by need, tier, and funding).

Best for: First-time buyers who need deep assistance to afford Broward prices.

Primary restrictions: Income tiers (often around ≤80% AMI unless expanded), potential asset caps, buyer contribution requirements, education, primary residence.

Repayment trigger: Typically due if sold/refinanced/moved out before the term; forgiveness after full affordability/occupancy period.

How to apply: Get lender pre-approval; submit HPA package through Broward/certifying partner process.

Broward County CDBG Purchase Assistance

Maximum assistance: Additional gap funding layered for very low/low-income buyers (amount varies).

Best for: Buyers who qualify for HPA but still have a cash-to-close gap.

Primary restrictions: HUD income limits, participating areas, counseling, primary residence, strict documentation.

Repayment trigger: Recapture/forgiveness rules tied to affordability period.

How to apply: Through Broward/partner agencies with lender coordination once pre-approved.

City of Fort Lauderdale Purchase Assistance Program

Maximum assistance: Often up to around $75,000 deferred 0% assistance (varies by funding).

Best for: First-time buyers purchasing within Fort Lauderdale city limits.

Primary restrictions: City limits, income/price caps, education, approved lender, primary residence.

Repayment trigger: Due on sale/refinance/move-out before affordability term; may forgive over time.

How to apply: City program intake plus lender coordination after contract.

City of Sunrise First-Time Homebuyer Program

Maximum assistance: Deferred 0% support (amount varies; may include repairs depending on cycle).

Best for: Buyers purchasing in Sunrise who need down payment/closing help.

Primary restrictions: City limits, income/price caps, education, approved lender/first mortgage, primary residence.

Repayment trigger: Due on sale/refinance/move-out before affordability period; potential forgiveness.

How to apply: Through Sunrise housing department and your lender.

City of Miramar First-Time Homebuyer Program

Maximum assistance: Often up to around $90,000 (varies by income tier and funding).

Best for: Low to moderate-income buyers needing substantial gap financing in Miramar.

Primary restrictions: City limits, income/price limits, counseling, primary residence, approved lender.

Repayment trigger: Deferred and due if sold/refinanced/moved out before term; may forgive depending on program.

How to apply: City application plus lender submission when under contract.

Palm Beach County SHIP Purchase Assistance

Maximum assistance: Often up to around $100,000 deferred 0% (may include rehab depending on cycle).

Best for: First-time buyers in Palm Beach County needing deep assistance.

Primary restrictions: County income/price caps, approved lender, education, primary residence.

Repayment trigger: Due on sale/refinance/move-out before term; forgiveness tied to occupancy rules.

How to apply: County housing intake plus lender package.

Palm Beach County HOME First-Time Homebuyer Program

Maximum assistance: Often up to around $100,000 deferred 0% (HOME funds; strict eligibility).

Best for: Lower-income buyers who qualify for a first mortgage but lack cash to close.

Primary restrictions: HOME income/asset limits, price caps, education, primary residence, heavy documentation.

Repayment trigger: Affordability/recapture rules; due if sold/refinanced/moved out early.

How to apply: County HOME program application with lender coordination.

City of Orlando Down Payment Assistance Program

Maximum assistance: Up to $45,000 (often forgivable over about 10 years).

Best for: Orlando city-limit buyers who can afford the payment but lack upfront funds.

Primary restrictions: City limits, income limits, education, registered lender, primary residence.

Repayment trigger: Due if sold/refinanced/moved out before forgiveness period ends.

How to apply: City intake plus lender submission after pre-approval/contract.

Orange County Down Payment Assistance Program

Maximum assistance: Up to $70,000 (very low income), $40,000 (low), or $10,000 (moderate), typically deferred/forgivable over about 10 years.

Best for: Orange County buyers who are payment-ready but short on cash to close.

Primary restrictions: First-time buyer, 620+ credit, residency requirements, price cap, eligible properties, education, primary residence.

Repayment trigger: Forgiveness typically tied to continuous occupancy; due if sold/refinanced/moved out early.

How to apply: Complete required education; apply through Orange County HCD with lender coordination.

Volusia County Homebuyer Assistance Program

Maximum assistance: Up to $75,000 as deferred/forgivable 0% assistance (often around a 15-year term).

Best for: Volusia County first-time buyers needing deep subsidy.

Primary restrictions: First-time buyer, income limits, price cap, partner agency process, primary residence.

Repayment trigger: Due if sold/refinanced/moved out before affordability term ends.

How to apply: Apply through Volusia/affordable housing partners with lender coordination.

Brevard County SHIP Purchase Assistance

Maximum assistance: Often $60,000–$75,000 for lowest-income tiers (varies by cycle).

Best for: Brevard buyers needing down payment, closing costs, and sometimes repairs.

Primary restrictions: SHIP income limits, education, primary residence, price cap, approved lender/partner.

Repayment trigger: Deferred 0% second; due if sold/refinanced/moved out early; may include forgiveness terms.

How to apply: Apply through county partner (often CHI) and a participating lender.

City of Melbourne Purchase Assistance

Maximum assistance: Often $40,000+ deferred 0% second (varies).

Best for: Melbourne buyers needing meaningful help to close.

Primary restrictions: City limits, income/price caps, education, primary residence.

Repayment trigger: Due on sale/refinance/move-out before affordability period; possible forgiveness.

How to apply: City/partner intake and lender submission.

City of Palm Bay Down Payment Assistance

Maximum assistance: Deferred 0% second (amount varies by funding/tier).

Best for: Palm Bay buyers who qualify for a first mortgage but need help with upfront cash.

Primary restrictions: City limits, income limits, education, price cap, primary residence.

Repayment trigger: Due on sale/refinance/move-out before term; forgiveness may apply.

How to apply: Palm Bay/partner intake with lender file.

City of Titusville First-Time Homebuyer Program

Maximum assistance: Up to $70,000 deferred 0% for down payment/closing/rate buy-down (varies by cycle).

Best for: Lower-income buyers seeking large support in Titusville.

Primary restrictions: City limits, SHIP income limits, education, price cap, primary residence.

Repayment trigger: Due if sold/refinanced/moved out early; forgiveness depends on term (often 5–15 years).

How to apply: Titusville housing intake with lender coordination once under contract.

City of Tampa “Dare to Own the Dream” Program

Maximum assistance: Up to $50,000 as a “silent second” deferred 0% loan, often forgivable after long occupancy (commonly around 20 years).

Best for: Tampa city-limit first-time buyers who need a large boost.

Primary restrictions: City limits, income/price caps, education/counseling, approved lender/agent, primary residence.

Repayment trigger: Due if sold/refinanced/moved out before forgiveness term ends.

How to apply: Tampa housing intake with lender coordination early.

Hillsborough “Home Sweet Home” Program

Maximum assistance: Up to $10,000 deferred 0% second (often 30-year term).

Best for: Buyers who need modest help without increasing monthly payments.

Primary restrictions: First-time buyer rules, income/price caps, education, credit score requirements (often around 660+), primary residence.

Repayment trigger: Sale/refinance/move-out triggers payoff.

How to apply: Through a participating lender with Hillsborough program process.

City of St. Petersburg Housing Down Payment Assistance Program

Maximum assistance: Up to $75,000 (varies by funding/tier).

Best for: Buyers who need more than typical statewide assistance amounts within St. Petersburg city limits.

Primary restrictions: City limits, income/price caps, education, primary residence, property-type rules.

Repayment trigger: Deferred/forgivable rules tied to affordability term; due if moved/sold early.

How to apply: City intake plus lender package once pre-approved.

Pinellas County HFA First-Time Homebuyer Program (Home Key Plus)

Maximum assistance: Up to $7,500 0% non-amortizing second; often requires about $1,000 borrower contribution.

Best for: Pinellas buyers needing a modest cash-to-close boost.

Primary restrictions: First-time buyer/veteran rules, income/price caps, education, primary residence, minimum own funds.

Repayment trigger: Sale/refinance/move-out typically triggers repayment.

How to apply: Through a Pinellas HFA participating lender.

Pasco County Down Payment Assistance Program

Maximum assistance: Up to $65,000 deferred 0% second (varies by income tier).

Best for: Pasco buyers needing a large subsidy beyond statewide options.

Primary restrictions: County property, income limits (often up to 120% AMI), education, primary residence.

Repayment trigger: Sale/refinance/move-out; some tiers may have forgiveness after long occupancy.

How to apply: Pasco housing intake plus lender coordination.

Hernando County SHIP Down Payment Assistance Program

Maximum assistance: Typically up to $10,000, with potential additional rehab funds depending on cycle.

Best for: Buyers who may need light repairs/updates to qualify for financing in Hernando County.

Primary restrictions: SHIP income rules, education, primary residence, inspection/property condition requirements.

Repayment trigger: Deferred/forgivable structure; due if sold/refinanced/moved out early.

How to apply: Hernando SHIP intake plus lender file submission.

Sarasota County “Own a Home Opportunity” Program

Maximum assistance: Up to $10,500 deferred 0% second (typically 30-year term).

Best for: Sarasota first-time buyers using FHA/VA/USDA/HFA conventional who need mid-sized assistance.

Primary restrictions: First-time/target-area exceptions, credit score requirements (often 640+), income/price caps, education, primary residence.

Repayment trigger: Sale/refinance/move-out triggers payoff.

How to apply: Through a participating lender familiar with Sarasota’s program.

Lee County FirstPlus Down Payment Assistance Program

Maximum assistance: Up to $10,000 deferred 0% second.

Best for: Lee County FHA/VA/USDA buyers needing modest cash-to-close support.

Primary restrictions: First-time buyer rules, credit score requirements (often around 640+), income/DTI limits, primary residence.

Repayment trigger: Sale/refinance/transfer/rent-out triggers repayment.

How to apply: Through participating lenders with program enrollment.

Lee County CDBG Homeownership Assistance Program

Maximum assistance: Up to $75,000 (gap plus down payment support), often forgivable over about 5 years (varies).

Best for: Low-income buyers in unincorporated Lee County needing deeper subsidy.

Primary restrictions: Low-income limits, price cap, education, DTI caps, primary residence/homestead requirements.

Repayment trigger: Due if sold/refinanced/moved out before forgiveness term ends.

How to apply: County CDBG intake plus lender submission.

Lee County HOME Down Payment Assistance Program

Maximum assistance: Up to 10% of purchase price, capped around $34,000, often forgiven over about 10 years.

Best for: Buyers purchasing an existing home who need help with down payment and closing costs.

Primary restrictions: HOME income limits, price cap, education, primary residence, no other owned homes.

Repayment trigger: Due if sold/refinanced/moved out early; prorated forgiveness may apply.

How to apply: Lee County HOME program intake plus lender coordination.

Charlotte County SHIP Homebuyer Assistance Program

Maximum assistance: Up to 10% of purchase price (often capped around a $75,000 lifetime limit), deferred 0% second.

Best for: First-time buyers living or working in Charlotte County needing large assistance without monthly payments.

Primary restrictions: Residency/work rules, SHIP income limits, education, buyer contribution, primary residence.

Repayment trigger: Due if sold/refinanced/moved out before term; forgiveness may apply.

How to apply: Charlotte SHIP intake with lender coordination.

Marion County SHIP Purchase Assistance Program

Maximum assistance: Often up to $10,000 (varies by cycle).

Best for: Buyers who want a small local layer to stack with statewide programs.

Primary restrictions: SHIP income limits, education, primary residence, county property.

Repayment trigger: Deferred 0% second; due on sale/refinance/move-out early.

How to apply: Marion SHIP intake plus lender file.

Marion County Homebuyer Purchase Assistance (Countywide)

Maximum assistance: Deferred 0% assistance (amount varies; commonly 20–30 year term).

Best for: First-time buyers under moderate income thresholds who are mortgage-ready but short at closing.

Primary restrictions: County income/price caps, education, primary residence, documentation.

Repayment trigger: Due if sold/refinanced/moved out/rented/cash-out refinance during restricted period.

How to apply: County housing intake plus lender coordination.

Alachua County SHIP Program

Maximum assistance: SHIP-funded deferred 0% help (amount varies; may allow certain newer manufactured homes depending on rules).

Best for: County buyers who want local down payment help in addition to city programs.

Primary restrictions: SHIP income limits, education, primary residence, funding windows, property eligibility.

Repayment trigger: Deferred second; due on sale/refinance/move-out early.

How to apply: Apply through Alachua SHIP during open cycle with lender coordination.

Columbia County SHIP Purchase Assistance (Suwannee River Economic Council)

Maximum assistance: SHIP deferred 0% assistance (amount varies by cycle).

Best for: Low-income Columbia County buyers approved for a first mortgage but short at closing.

Primary restrictions: SHIP income limits, education, primary residence, partner agency process.

Repayment trigger: Due if sold/rented/moved out before affordability term ends.

How to apply: Apply through SREC intake with lender submission.

City of Jacksonville / Duval Down Payment Assistance Home Ownership Program

Maximum assistance: Up to 75% of required down payment and closing costs, capped at $25,000; home price cap at $335,000.

Best for: Duval first-time buyers with payment ability but limited savings.

Primary restrictions: First-time buyer, income up to about 120% AMI, residency history requirements, minimum own funds, price cap, primary residence/homestead.

Repayment trigger: Repay if sold within 3 years.

How to apply: Jacksonville housing intake plus lender package.

Clay County SHIP Purchase Assistance

Maximum assistance: Up to $20,000 deferred 0% second (often 30-year term).

Best for: Clay County FHA/VA/USDA buyers needing extra cash to close.

Primary restrictions: Credit score requirements (640+), SHIP income limits, education, price cap, primary residence.

Repayment trigger: Sale/refinance/move-out triggers repayment.

How to apply: Clay housing intake plus lender file.

City of Pensacola ARPA Down Payment Assistance Program

Maximum assistance: Up to $30,000 deferred 0% second.

Best for: Pensacola city-limit first-time buyers needing large upfront help.

Primary restrictions: City limits, income/price caps, education, primary residence.

Repayment trigger: Due on sale/refinance/move-out before affordability term; forgiveness may apply.

How to apply: Pensacola housing intake plus lender coordination.

SHIP First-Time Homebuyers Program (Pensacola & Escambia County)

Maximum assistance: Up to $45,000 combined down payment and closing help (deferred 0% second).

Best for: Escambia-area first-time buyers seeking maximum local assistance.

Primary restrictions: First-time buyer, income/price caps, education, approved lender, primary residence.

Repayment trigger: Due if sold/refinanced/moved out early; affordability rules apply.

How to apply: Escambia/Pensacola SHIP intake plus lender submission.

Escambia County HFA Homeownership Program

Maximum assistance: Up to $10,000 deferred 0% second paired with fixed-rate first mortgage.

Best for: Buyers wanting a bundled first mortgage plus modest DPA.

Primary restrictions: County property, income/price caps, education, credit thresholds, primary residence.

Repayment trigger: Sale/refinance/move-out triggers repayment.

How to apply: Through participating Escambia HFA lenders.

Okaloosa County SHIP Purchase Assistance Program

Maximum assistance: SHIP-based deferred 0% assistance (county-set caps; varies).

Best for: Buyers approved for a first mortgage but short on closing cash in Okaloosa.

Primary restrictions: Income/price caps, education, funding window timing, primary residence.

Repayment trigger: Due on sale/refinance/move-out early; affordability rules apply.

How to apply: Okaloosa housing intake during open cycles plus lender coordination.

Santa Rosa County SHIP First-Time Homebuyer Program

Maximum assistance: Deferred 0% DPA that can reach roughly $35,000 depending on income and need (varies by cycle).

Best for: Buyers needing substantial help and planning to stay long-term.

Primary restrictions: First-time buyer, income/price caps, education, approved lender, primary residence.

Repayment trigger: Due on sale/refinance/move-out early; forgiveness may apply based on term.

How to apply: Santa Rosa SHIP intake plus lender coordination.

City of Panama City First-Time Homebuyers Program

Maximum assistance: Up to $50,000 (often $45,000 down payment plus up to $5,000 closing costs) deferred 0% second.

Best for: Panama City buyers needing large subsidy to make the numbers work.

Primary restrictions: City limits, first-time buyer, income/price caps, education, primary residence.

Repayment trigger: Due on sale/refinance/move-out before term; forgiveness may apply.

How to apply: Panama City housing intake plus lender submission.

Bay County SHIP First-Time Homebuyer Program

Maximum assistance: Deferred 0% SHIP help for down payment, reasonable closing costs, and sometimes minor repairs (amount varies).

Best for: Bay County buyers who can afford the mortgage but need help at closing.

Primary restrictions: SHIP income/price caps, education, county process, primary residence.

Repayment trigger: Due on sale/refinance/move-out early.

How to apply: Bay County Housing Services plus lender coordination.

St. Lucie County Attainable Housing Grant Program

Maximum assistance: Up to $2,500 grant funds (no repayment) applied at closing.

Best for: Low-income St. Lucie buyers who need a small final push to close.

Primary restrictions: Signed contract in St. Lucie, income limits, reserve caps, application timing before closing, primary residence.

Repayment trigger: None if structured as a true grant.

How to apply: County intake with lender/closing coordination, ideally well before closing.

Martin County SHIP & HOME Housing Assistance Programs

Maximum assistance: Often up to around $50,000 deferred 0% (varies by funding and tier).

Best for: Martin County buyers who qualify for a first mortgage but are short on cash to close.

Primary restrictions: SHIP/HOME income limits, education, county price cap, primary residence, documentation heavy.

Repayment trigger: Due on sale/refinance/move-out before affordability term; potential forgiveness per program.

How to apply: Martin County housing intake plus lender submission.

Indian River County HFA Down Payment Assistance

Maximum assistance: Up to $10,000 deferred 0% second, often 30-year term.

Best for: Buyers wanting a simple HFA bundle and modest DPA in Indian River County.

Primary restrictions: Credit score minimums (640+), first-time/target-area exceptions, income limits, primary residence.

Repayment trigger: Sale/refinance/move-out triggers repayment.

How to apply: Through an Indian River HFA participating lender.

St. Lucie & Martin County HOME Consortium Purchase Assistance

Maximum assistance: Need-based gap financing to keep housing costs near affordability targets (amount varies).

Best for: Very low to low-income households needing deeper subsidy than SHIP alone.

Primary restrictions: Strict HOME income limits (often ≤80% AMI), fixed-rate first mortgage required, lower HOME price caps, primary residence.

Repayment trigger: Affordability/recapture rules; due on sale/refinance/move-out early.

How to apply: Through the HOME consortium administrator with lender coordination.

Frequently Asked Questions

Get quick answers to the most common questions about Florida first-time homebuyer grants and down payment assistance in 2026.

Are Florida first-time homebuyer programs cash grants?

Most Florida homebuyer programs provide deferred or forgivable assistance applied to housing costs, not cash paid directly to buyers.

What loan types work best with Florida homebuyer assistance?

FHA, USDA, and VA loans are commonly paired with Florida homebuyer assistance due to flexible guidelines.

Can Florida first-time homebuyer programs be combined?

Sometimes. Program stacking depends on lender participation and specific program rules.

Do Florida homebuyer programs run year-round?

Many programs are limited by funding cycles and may open or close throughout the year.

Conclusion

Florida has more first-time homebuyer help than almost anywhere, but the winners are the buyers who move early, get pre-approved, and use the right stacking strategy.

Start with statewide programs (like Hometown Heroes and Florida Assist), then add the county and city layers that apply to your address and income tier.

Keep in mind that many of these programs are first-come, first-qualified and can pause when funding runs out—so timing matters as much as eligibility.