Florida Hometown Heroes homebuyer program
Down payment and closing cost help for full-time Florida workers, including teachers, nurses, first responders and veterans, buying their first home.
The down payment help is a loan that must be repaid when you sell or refinance.
Apply on the official site ↗Goes to FloridaHousing.org. Applying is free.
Who generally qualifies
First-time homebuyers working full-time for a Florida employer, under the income limit.
Exact income limits and rules are set by Florida Housing Finance Corporation and can change. Check the official site for current details.
How to apply
- Take a homebuyer education course.
- Apply with a participating lender.
What to have ready
- Proof of employment
- Income and credit information
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- No. It's a free or low-cost service, not a loan.
- Who decides if I qualify?
- Florida Housing Finance Corporation makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check FloridaHousing.org for the latest details.
Added October 21, 2026. BenefitSearch is not affiliated with Florida Housing Finance Corporation.