Programs

Down Payment Assistance

You may not need as much saved as you think. Florida has several programs that can cover your down payment — and some don't need to be repaid.

Florida DPA Programs

Florida Assist (FL Assist)

Up to $10,000

Deferred Second Mortgage

A 0% interest second mortgage that is deferred — meaning no monthly payments. The balance is due when you sell, refinance, or pay off the first mortgage. Available for FHA, VA, USDA, and conventional loans.

Florida Homeownership Loan Program (FL HLP)

Up to $10,000

Second Mortgage

A 3% interest second mortgage with a 15-year term. Monthly payments are required. Provides more flexibility than FL Assist for buyers who plan to stay long-term.

HFA Preferred & HFA Advantage

3%–5% of loan amount

Grant / Forgivable

Down payment and closing cost assistance offered as a grant or forgivable second mortgage. No repayment required if you stay in the home for a set period. Income and purchase price limits apply.

Hometown Heroes Program

Up to $35,000

Forgivable Second Mortgage

For Florida's frontline community workers — teachers, nurses, law enforcement, firefighters, and more. Provides up to $35,000 toward down payment and closing costs. Must be a first-time buyer and meet income limits.

General Eligibility Requirements

Must be purchasing a primary residence in Florida
Most programs require first-time buyer status (no ownership in past 3 years)
Income limits apply — typically based on county median income
Minimum credit score of 620 for most programs
Must complete a HUD-approved homebuyer education course

Find Out What You Qualify For

DPA programs have specific requirements and limited funding. Talk to one of our loan officers to find out which programs you're eligible for before they run out.

Check My Eligibility