Loan program

Down Payment Assistance

Grants and programs that cut your cash to close

Florida offers real money to help buyers get into homes: state programs like Hometown Heroes with up to $35,000 for eligible workers, plus county SHIP grants and zero-interest second mortgages. Most buyers never check what they qualify for. We check for you.

See if I qualify Call (407) 443-9461

Who it suits

Who this is for

01Buyers with steady income but limited savings

02Florida frontline workers: healthcare, education, first responders, military

03Income-qualified buyers in most Florida counties

The upside

Why buyers choose Down Payment Assistance

Hometown Heroes: up to $35,000

Florida’s flagship program provides up to $35,000 in down payment and closing cost assistance for eligible full-time workers, paired with below-market rates.

County SHIP programs

The State Housing Initiatives Partnership funds county-level grants and deferred, zero-interest second mortgages for income-qualified buyers.

Stacks with your loan

Assistance typically layers on top of FHA, VA, or conventional financing, cutting your cash to close dramatically.

Some assistance is forgivable

Certain programs forgive the assistance over time or only require repayment when you sell or refinance.

Requirements

How to qualify

Typical guidelines. Your exact numbers come from the free 60-second check.

01Income within program limits (varies by county and household size)

02Typically must be a first-time buyer or not have owned in 3 years

03Homebuyer education course for most programs (online, a few hours)

04The home must be your primary residence in Florida

Questions

Common questions

Sometimes. Programs range from true grants to forgivable loans to deferred zero-interest loans repaid at sale. We explain exactly which type you are getting.

Keep looking

Explore other programs

First-Time Home Buyer

Your clearest path from renting to owning

FHA Loans

As little as 3.5% down, flexible credit

VA Loans

0% down for veterans and active military

Zero credit impact

See what you qualify for

Nine quick questions. Zero impact on your credit score. Real answers in about 60 seconds.

Check if I qualify

Assistance program availability, amounts, and income limits change with funding cycles and are determined by the administering agency. Assistance may take the form of a grant, forgivable loan, or repayable second lien.