Please ensure Javascript is enabled for purposes of website accessibility Skip to main content


The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.

This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a lower first mortgage interest rate and additional special benefits to those who have served and continue to serve their country.

Some Frequently Asked Questions:

Who is eligible for the program?

To get started, homebuyers must connect with one of Florida Housing’s participating loan officers, have a minimum credit score of 640, be a first-time homebuyer, and earn less than 150% of the area median income, according to their local county data.

What is the benefit of the program?

Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.

How much does the benefit program provide me for assistance?

Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

Are there any income limits?

Yes in fact there are. Borrower(s) must not exceed the maximum Income & Loan Limit requirements, household size, for the county in which the property is being purchased. Borrower(s) earning must be below 150% of area median income (AMI). The full list of county limits can be found here.

Are there any other requirements?

All involved borrower must complete an approved homebuyer education course. Non Occupying co-borrowers do not have to complete any educational requirements. Veterans and active-duty personnel do not have complete the loan if they are using a government first mortgage.

Use the calendar below to book your Florida Hometown Heroes consultation. Simply pick a time that works best for you and we'll call you at the number provided. The call will only take roughly 15 minutes.

Download our Homebuyer’s Guide!