FL Housing – Includes Hometown Heroes

Affordable Home Financing for Florida Buyers

For many first-time buyers, the biggest obstacle to owning a home isn’t finding the right place to call home, it’s covering the upfront costs. Florida Housing helps eligible buyers achieve homeownership with competitive rates, reduced fees, and down payment assistance

What Sets Florida Housing Apart

Competitive Interest Rates: Designed to help keep your monthly payment as affordable as possible.
Down Payment and Closing Cost Assistance: Choose from two second mortgage options to help cover what’s due at closing.
Reduced Upfront Fees: Lower out-of-pocket costs mean less stress on closing day.
Flexible Loan Options: Choose from Conventional, FHA, VA, and USDA-RD loan programs to find the best fit for you.

DPA Comparison

Two Ways to Get Down Payment Help

After qualifying for your first mortgage through Florida Housing, you can choose one of two second mortgage options:

FL Assist

$10,000 in assistance
0% interest, non-amortizing, deferred
No monthly payment

FL Homeownership

$12,500 in assistance
3% fully amortizing second mortgage
30-year term with a monthly payment

Talk to Our Team Today

Terms and conditions apply and are subject to change without notice. All approvals subject to underwriting and program guidelines. Not all applicants will qualify. To learn more about eligibility requirements, please visit bit.ly/FLHousingHomebuyer

Hometown Heroes

Built for Florida’s Workforce

The Hometown Heroes Program may be for you if you live and work full-time* in Florida. This amazing program is open to educators, healthcare workers, first responders, law enforcement, firefighters, EMS workers, and more.

Up to $35,000 in down payment and closing cost assistance
Competitive interest rates for eligible buyers
No Florida Housing origination fee
Available with FHA, VA, and USDA-RD loans
Income and purchase limits apply

* To learn more about the program’s eligibility, please visit bit.ly/HometownHeroesProgram

Services

Looking for other loan options? We’ve got you covered

Purchase

From conventional to FHA and VA loans, find the right fit for your budget and goals.

Refinance

Lower your rate, reduce your payment, or tap into equity. Let’s find what makes sense for you.

Construction, Bridge, Renovation

Build, remodel, or renovate the home of your dreams.

Specialty Financing

From non-QM loans to investor financing, find solutions for situations that don’t fit the standard mold.

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Florida Housing has a path for you

Our team knows these programs inside and out. Let us help you find the right fit and guide you from application to closing.
Get Started Today

THIS PRODUCT OR SERVICE HAS NOT BEEN APPROVED OR ENDORSED BY ANY GOVERNMENTAL AGENCY, AND THIS OFFER IS NOT BEING MADE BY AN AGENCY OF THE GOVERNMENT.