See programs you qualify for
Get Matched Free →By Tyler Thompson · Licensed Real Estate Agent · Updated March 27, 2026
Homebuyer Programs in Pine Hills, FL (2026)
Pine Hills is a large unincorporated community in Orange County, Florida, located just west of Orlando with a population of approximately 82,000 and a median home price around $285,000. As one of the most affordable areas in the Orlando metro, Pine Hills offers homebuyers access to some of the most generous county-level down payment assistance in Florida. The Orange County Down Payment Assistance Program provides up to $70,000 for very low-income households, while the Orange County Mortgage Assistance Program (MAP) offers up to $80,000 in deferred loans. Combined with state programs like the Florida Hometown Heroes Program (up to $35,000) and the Florida Assist Second Mortgage ($10,000), eligible Pine Hills homebuyers could potentially access over $100,000 in total assistance — which at a $285,000 median price could cover the entire purchase.
County Programs in Orange County
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| OCHFA Homebuyer Program | Deferred Loan | Down payment and closing cost assistance combined with competitive first mortgage rates | Yes | View → |
| Orange County Down Payment Assistance Program | Deferred Loan | Up to $70,000 (very low income), $40,000 (low income), or $10,000 (moderate income) | Yes | View → |
| Orange County Mortgage Assistance Program (MAP) | Deferred Loan | Up to $80,000 | Yes | View → |
- Type:
- Deferred Loan
- Amount:
- Down payment and closing cost assistance combined with competitive first mortgage rates
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $70,000 (very low income), $40,000 (low income), or $10,000 (moderate income)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to $80,000
- First-time only:
- Yes
State Programs in Florida
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHLBA Community Partners Product | Forgivable Loan | Up to $20,000 in home purchase assistance for down payment and closing costs | No | View → |
| FHLBA First Time Homebuyer Product | Forgivable Loan | Up to $17,500 in home purchase assistance for down payment and closing costs | Yes | View → |
| FHLBA Workforce Housing Plus+ | Grant | Up to $15,000 in home purchase assistance for down payment and closing costs | No | View → |
| Florida Assist (FL Assist) Second Mortgage Program | Deferred Loan | Up to $10,000 | Yes | View → |
| Florida HFA Preferred and Advantage PLUS Program | Forgivable Loan | 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only) | Yes | View → |
| Florida Hometown Heroes Housing Program | Deferred Loan | Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000 | Yes | View → |
- Type:
- Forgivable Loan
- Amount:
- Up to $20,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Forgivable Loan
- Amount:
- Up to $17,500 in home purchase assistance for down payment and closing costs
- First-time only:
- Yes
- Type:
- Grant
- Amount:
- Up to $15,000 in home purchase assistance for down payment and closing costs
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Up to $10,000
- First-time only:
- Yes
- Type:
- Forgivable Loan
- Amount:
- 3%, 4%, or 5% of the total first mortgage loan amount (HFA Advantage PLUS TBA, Freddie Mac first mortgage only)
- First-time only:
- Yes
- Type:
- Deferred Loan
- Amount:
- Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
- First-time only:
- Yes
Federal Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| FHA Loans | Government-Insured Mortgage | Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026) | No | View → |
| Good Neighbor Next Door (HUD) | Government Property Sale Program | 50% discount off the list price of HUD-owned homes | Yes | View → |
| Home Possible Mortgage (Freddie Mac) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HomeReady Mortgage (Fannie Mae) | Government-Guaranteed Mortgage | Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment | No | View → |
| HUD $100 Down Program | FHA-Financed HUD REO Purchase | Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs. | No | View → |
| USDA Rural Development Loans | Government-Guaranteed Mortgage | 100% financing (no down payment required); loan amount up to appraised value | No | View → |
| VA Loans | Government-Guaranteed Mortgage | No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026) | No | View → |
- Type:
- Government-Insured Mortgage
- Amount:
- Up to FHA county loan limits ($541,287 floor to $1,249,125 ceiling for single-family in 2026)
- First-time only:
- No
- Type:
- Government Property Sale Program
- Amount:
- 50% discount off the list price of HUD-owned homes
- First-time only:
- Yes
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- Up to conforming loan limits ($832,750 standard / $1,249,125 high-cost in 2026); 3% minimum down payment
- First-time only:
- No
- Type:
- FHA-Financed HUD REO Purchase
- Amount:
- Only $100 down payment required (vs. standard 3.5% FHA down payment). HUD may also pay up to 3% of buyer's closing costs.
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- 100% financing (no down payment required); loan amount up to appraised value
- First-time only:
- No
- Type:
- Government-Guaranteed Mortgage
- Amount:
- No loan limit for veterans with full entitlement (0% down at any price); partial entitlement subject to conforming limits ($832,750 standard in 2026)
- First-time only:
- No
Nonprofit Programs
| Program Name | Type | Amount | First-Time Only | Details |
|---|---|---|---|---|
| Habitat for Humanity Greater Orlando & Osceola County | Zero-Interest Loan | Affordable home purchase with 0% interest mortgage; mortgage payments never exceed 30% of household income | No | View → |
| NACA Purchase Program (Orlando) | Grant | No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate | No | View → |
| NeighborWorks Orange County Homebuyer Assistance | Deferred Loan | Down payment assistance available through counseling and program matching | No | View → |
- Type:
- Zero-Interest Loan
- Amount:
- Affordable home purchase with 0% interest mortgage; mortgage payments never exceed 30% of household income
- First-time only:
- No
- Type:
- Grant
- Amount:
- No down payment, no closing costs, no PMI, no fees, below-market fixed interest rate
- First-time only:
- No
- Type:
- Deferred Loan
- Amount:
- Down payment assistance available through counseling and program matching
- First-time only:
- No
How to Apply
Step 1: Check your eligibility. The Orange County Down Payment Assistance Program serves first-time homebuyers with household income at or below 80% of the Area Median Income. The Mortgage Assistance Program (MAP) serves households at or below 80% AMI with a maximum loan of $80,000 at 3% simple interest.
Step 2: Complete homebuyer education. All Orange County programs require completion of a HUD-approved homebuyer education course. NeighborWorks Orange County is a HUD-approved counseling agency offering free homebuyer education and one-on-one counseling. Contact them at (407) 245-7150.
Step 3: Meet with a housing counselor. Schedule a free appointment with NeighborWorks Orange County or another HUD-approved counselor to review your finances, determine which programs you qualify for, and create a homeownership plan.
Step 4: Get pre-approved for a first mortgage. Work with a lender approved by the Orange County programs. For the OCHFA Homebuyer Program, you must use a participating lender from the Orange County Housing Finance Authority.
Step 5: Find a home in Orange County. The property must be located within Orange County (Pine Hills qualifies as unincorporated Orange County). The total sales price cannot exceed 85% of the Orange County median sales price.
Step 6: Submit your application. Contact the Orange County Housing and Community Development Division at (407) 836-5150 to apply. Applications are processed on a first-come, first-served basis while funding is available.
Step 7: Close on your new home. After approval, coordinate your closing. The county assistance is recorded as a deferred loan, and no monthly payments are required as long as you live in the home as your primary residence.
Frequently Asked Questions
How much down payment assistance can I get in Pine Hills?+−
Do I have to be a first-time homebuyer to qualify?+−
What is the maximum home price I can purchase?+−
What homebuyer education is required?+−
Is Pine Hills eligible for Orange County programs even though it is not a city?+−
What is the difference between the DPA program and the MAP program?+−
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