Down Payment Assistance in Florida

Types of down payment assistance

• Grants — money you don't pay back, ever
• Forgivable second mortgages — zero interest, forgiven over 5-20 years
• Deferred second mortgages — no payments until you sell, refinance, or pay off the first mortgage
• Low-interest second mortgages — small monthly payments at below-market rates

Florida programs we work with

• Florida Assist — up to $7,500, 0% interest, forgiven at 20 years
• Florida Hometown Heroes — up to $25,000 for community workforce
• Florida Bond Program — below-market first mortgage + down payment help
• SHIP (State Housing Initiative Partnership) — county-level programs, each with different limits
• Community Second — lender-specific programs that can be stacked with state programs

Do you qualify?

Most programs require:

• First-time homebuyer (no primary residence in 3 years) — or buying in a targeted area
• Income below the county limit (varies by county and household size)
• Home purchase price below the county limit
• Completion of a homebuyer education course (we provide this free)
• Minimum credit score of 640 (some programs go to 620)

Call us — we'll check every program in your county in one conversation.