Florida's Hometown Heroes Program
State-supported down payment and closing cost assistance designed to help eligible Florida workforce professionals, military members, and veterans move closer to homeownership.
Program Overview
The Florida Hometown Heroes Program helps eligible, income-qualified first-time homebuyers purchase a primary residence in Florida. The program provides down payment and closing cost assistance while offering competitive first mortgage options for qualified workforce professionals, military members, and veterans who meet applicable program requirements.
Program Features
Provides up to 5% of the total first mortgage loan amount for qualified borrowers.
Assistance ranges from a minimum of $10,000 to a maximum of $35,000.
Funds may be used toward eligible down payment and closing costs.
Assistance is provided through a 0%, non-amortizing, 30-year deferred second mortgage.
Available with eligible Conventional, FHA, VA, and USDA/RD first mortgage options.
Offers competitive market interest rates, reduced upfront fees, and no origination or discount points.
Why Choose This Program?
Helps eligible buyers reduce the upfront cost of purchasing a primary residence.
Supports the professionals and service members who strengthen Florida communities.
Provides multiple first mortgage options to accommodate different qualifying scenarios.
May allow qualified buyers to preserve more of their available savings and reserves.
Offers additional program benefits for eligible military members and veterans.
Creates a more accessible path to homeownership for qualified Florida workers.
Who This Program Is Great For?
Eligible health care workers employed full-time by a Florida-based employer.
Eligible school staff members and child care workers serving Florida communities.
Eligible first responders working full-time for a Florida-based employer.
Eligible public safety professionals and court employees.
Members of the U.S. military, military reserves, Coast Guard, Coast Guard reserves, or Florida National Guard.
Eligible veterans employed full-time by a Florida-based employer.
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