Up to $10,000
Florida Assist (FL Assist)
0% interest with no monthly payments. This assistance must be repaid; it is not forgivable.
Florida Housing programs
Down Payment Assistance
Need help with the upfront cost of buying a home? Explore these Florida Housing programs, then talk with a participating lender about eligibility and current funding.
Ask James About Down Payment Assistance
Florida Housing · 2026 training
Helping you understand your options.
I completed Florida Housing Finance Corporation’s Homebuyer Loan Program training to better support buyers exploring homeownership and assistance programs.
I handle the real estate side of your purchase. A participating lender determines program eligibility, financing terms and available assistance.
$12,500
Florida Homeownership Loan Program (FL HLP)
3% interest over 30 years, with monthly payments. The remaining balance may become due when you sell, refinance or stop using the home as your primary residence.
3%, 4% or 5% of the loan amount
HFA Preferred & HFA Advantage PLUS
For eligible conventional mortgages. Assistance is forgiven at 20% each year over five years, provided program conditions are met.
Up to 5% · maximum $35,000
Florida Hometown Heroes
For eligible workforce, military and veteran buyers. A 0% deferred loan with no monthly payments. It must be repaid and is not forgivable.
Your next step
Let’s figure out where to begin.
Tell me where you want to buy, your timeline and what monthly payment feels comfortable. We can discuss the buying process and connect you with a lender to review your options.
Program information reviewed October 7, 2026. Eligibility, terms and funding availability can change. Training certification does not guarantee loan approval or assistance.
Official program details
For full requirements and current terms, see Florida Housing homebuyer programs or Hometown Heroes.