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Are you a First Time Homebuyer, living and working in Florida?
You could receive up to $35,000 in Down Payment
and Closing Cost Assistance!

The Florida Hometown Hero's program is open to all qualified first time homebuyers working in ANY occupation in Florida. The program was designed to make Florida homes more affordable to those living and working in Florida communities. It is open to ALL occupations


If you are a First time buyer, you may be eligible to receive up to 5% of your total loan amount (up to $35,000) in down payment and closing cost assistance!  

This money can be used for your down payment, closing costs, mortgage insurance premiums and other mortgage or closing fees. In addition, this program also offers lower first mortgage rates. Additional benefits may be available for veterans & military personnel.


Assistance is provided in the form of a zero interest, zero payment, 30 year loan.

Eligibility Requirements 

First-Time Home Buyer

  • No present ownership in a primary residence​ at any time during the 3-year period unless qualifying under the Veterans Exemption or as an Active Duty borrower

Primary Residence

  • Must be the borrowers primary residence


Full Time Employment​

  • 35 hours or more per week required

  • Florida based employer with a brick and mortar location IN Florida

Income & Loan Limits​ per county - Click HERE​

  • Income below 150% of the area median income. 

  • Property must not exceed the loan limit for the county

Down Payment Assistance Details

  • Funds can be used for down payment, closing costs, prepaids, upfront funding fees, or other mortgage fees.

  • No cash back allowed.  ​Cannot be used to pay off debt or for an appraisal gap.

  • Provided in the form of a 0% interest, zero payment, 30 year loan. 


  • Re-payment is deferred until the home is sold, the deed is transferred, the home is refinanced, or when the borrower no longer occupies the property as their primary residence.


Hometown Hero Program History

Originally launched in the summer of 2022, the Florida Hometown Hero's program was developed to help make homeownership more affordable for Florida's Front line workers.  This past summer, July 2023, the program EXPANDED to be more inclusive. It now includes all eligible first time homebuyers, employed full time (35+ hours per week) in Florida. In addition, the income limits were INCREASED so more buyers could qualify!


$100M was released for 2023 on July 1 and all funds were fully reserved by Aug 22, 2023. We are excited to announce an additional $36M in funding was just released November 2, 2023. We anticipate this funding going just as fast - don't wait - contact us today! 

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