First-Time Home Buyer Programs
Your First Home Is Closer Than You Think
Florida offers several programs to help first-time buyers with down payments, closing costs, and favorable loan terms. Let me help you find the right program for your situation.
Check My EligibilityWhat Are These Programs?
First-Time Buyer Assistance
Florida has state and local programs designed to make homeownership accessible. These programs can provide down payment assistance, reduced interest rates, and help with closing costs.
Florida Hometown Heroes
Up to 5% of the loan amount for down payment and closing costs for eligible community workers including teachers, healthcare workers, law enforcement, and more.
Florida Assist (FL Assist)
A second mortgage of up to $10,000 at 0% interest, deferred until you sell, refinance, or pay off your first mortgage.
HFA Preferred / HFA Advantage
Reduced mortgage insurance and down payment assistance for borrowers at or below 80% of area median income.
USDA & VA Loans
Zero down payment options for eligible rural properties (USDA) or veterans and active military (VA).
Am I Eligible?
General Eligibility Requirements
Requirements vary by program, but here are common criteria:
- ✓First-time buyer (haven't owned a home in 3+ years)
- ✓Meet income limits (varies by county and program)
- ✓Minimum credit score (typically 620-640+)
- ✓Complete a homebuyer education course
- ✓Use the home as your primary residence
- ✓Meet purchase price limits for your county
Not sure if you qualify? Fill out the form below and I'll review your situation personally.
How It Works
Getting Started Is Easy
Share Your Info
Fill out the qualification form with basic details about your income, credit, and goals.
I Review & Research
I'll analyze which programs you may qualify for and identify the best options.
We Connect
I'll reach out to discuss your options and connect you with trusted lenders who specialize in these programs.
Free & No Obligation
Check Your Eligibility
Tell me about your situation.