Florida Assist (FL Assist) Second Mortgage Program
Funding status: Active
How much assistance
Up to $10,000 (Deferred Loan)
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
How to Apply for Florida Assist (FL Assist) Second Mortgage Program
Step 1: 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.
Notes
Can be layered with Florida Housing first mortgage programs. Cannot be combined with the HFA Preferred/Advantage PLUS forgivable DPA on the same loan.