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Florida Hometown Heroes Housing Program

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

How much assistance

Up to 5% of first mortgage loan amount, minimum $10,000, maximum $35,000
0% interest, 30-year deferred second mortgage. Repayment due upon sale, refinance, transfer, or when property is no longer primary residence.

Eligibility

  • Income limits: Varies by county, typically $142,950 to $195,450 depending on location
  • First-time buyer required: Yes — Must not have owned a home in the past 3 years.
  • Credit score minimum: 640
  • Geographic restrictions: Must be employed full-time by a Florida-based employer in an eligible Hometown Heroes occupation. Property must be in Florida.
  • Homebuyer education required: Yes

Free eligibility check

Check if you qualify for Florida Hometown Heroes Housing Program

  • Free
  • No credit check
  • Takes 2 minutes

Are you a first-time homebuyer?

YesNoNot sure
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How to Apply for Florida Hometown Heroes Housing Program

Contact a Florida Housing-approved lender to begin the application process. You must be employed full-time in an eligible occupation and meet income and credit requirements for your county.

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
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Learn More About Homebuying in Florida

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

Florida (79 cities)

Available Statewide In