Down payment assistance (DPA) programs help eligible Florida homebuyers cover some or all of their upfront cash needed to purchase a home. These programs are designed to reduce barriers to homeownership and can be paired with several traditional loan types.
Florida housing down payment assistance programs help qualified buyers reduce the upfront cash required to purchase a home. These programs can be used toward down payment, closing costs, or both, making homeownership more accessible without changing the primary loan structure.
We are certified with Florida Housing Finance Corporation with a wide variety of assistance programs to choose from.
The Florida Hometown Heroes program provides down payment and closing cost assistance for eligible buyers purchasing a primary residence in Florida. The program can be paired with several first-mortgage options and is designed to help buyers secure home financing with less cash out of pocket.
Eligibility requirements and availability vary, and program guidelines may change.
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Down payment assistance may be structured as either forgivable or non-forgivable.
Forgivable assistance is typically forgiven after a set period of time as long as the borrower remains in the home.
Non-forgivable assistance is usually structured as a deferred second loan that is repaid when the home is sold, refinanced, or paid off.
The right option depends on how long you plan to keep the home and your long-term financial goals.
Most Florida down payment assistance programs do not require an additional monthly payment. The assistance is commonly deferred, meaning there is no impact on your monthly housing payment alongside your primary mortgage.