Florida Hometown Heroes Program

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The Florida Hometown Heroes Housing Program aims to make homeownership more affordable by providing assistance for the down payment and closing costs.

Key Benefits & Features:

Financial Assistance

  • Up to 5% of the loan amount in down payment and closing cost assistance, capped at $35,000
  • Minimum $10,000 grant for loans of $200,000 or less

Loan Program Options

  • Conventional with reduced mortgage insurance
  • FHA, USDA, and VA loans available

Eligibility Requirements

  • First-time homebuyer status (with exceptions for active-duty/veteran/National Guard members and those in Federally Designated Targeted Areas)
  • At least one borrower must work full-time for an acceptable employer with a brick-and-mortar location in Florida
  • Income must be within county limits
  • Homebuyer education required (with exemptions for military members on FHA/VA/USDA loans)

Property & Loan Restrictions

  • Primary residence

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