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Florida Assist (FL Assist) Second Mortgage Program

Administered by:
Florida Housing Finance Corporation
 · State · Deferred Loan
Funding status: Active

How much assistance

Up to $10,000
0% interest deferred second mortgage with no monthly payments. Repayment deferred until the home is sold, refinanced, transferred, or no longer used as primary residence.

Eligibility

  • Income limits: Varies by county based on HUD AMI guidelines and Florida Housing income limits.
  • First-time buyer required: Yes — Must not have owned a primary residence in the past 3 years. Exceptions for qualified veterans and purchases in targeted areas.
  • Credit score minimum: 640
  • Geographic restrictions: Property must be in Florida and used as primary residence.
  • Homebuyer education required: Yes

Free eligibility check

Up to $10,000 in assistance. Check if you qualify for Florida Assist (FL Assist) Second Mortgage Program.

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

YesNoNot sure
Question 1 of 6
housebuyerguides

How to Apply for Florida Assist (FL Assist) Second Mortgage Program

Work with a Florida Housing-approved lender. FL Assist can be paired with FHA, VA, USDA, or conventional first mortgages. Complete an approved homebuyer education course before closing.

Free eligibility check

See every program you may qualify for

  • Free
  • No credit check
  • Takes 2 minutes

How soon are you looking to buy?

Within 30 days1–3 months3–6 months6–12 monthsJust researching
Question 1 of 6
housebuyerguides

Learn More About Homebuying in Florida

Cities Where This Program Is Available (79 cities across 1 state)

Florida (79 cities)

Available Statewide In