Central Florida Homebuyers Dream Program

Administered by: Orange County Housing Finance Authority (OCHFA) · County · Deferred Loan

Funding status: Active

How much assistance

Up to $10,000 (Deferred Loan)

Zero-interest (0%) deferred second loan. No payments required. Forgiven after 30 years if the borrower remains in the home and does not refinance. Repayment required if home is sold, refinanced, or borrower moves out before 30 years.

Eligibility

Income limits: Total household income cannot exceed $147,560
Purchase price limit: $665,173
First-time buyer required: No
Credit score minimum: 640
Geographic restrictions: Home must be located in Orange, Lake, Osceola, or Seminole County, Florida.
Homebuyer education required: No

How to Apply for Central Florida Homebuyers Dream Program

Step 1: Work with an OCHFA-approved lender to apply. Contact OCHFA at 407-894-0014 for lender referrals and program details.

Visit program website

Notes

Eligible property types include single-family homes, townhomes, FHA-approved condos, and duplexes. Property must be the borrower's primary residence.