Overcome the Down Payment Barrier
The biggest hurdle for many aspiring homeowners in Florida isn't the monthly mortgage payment—it's the initial cash required for a down payment and closing costs. Fortunately, there are several assistance programs designed to help you cross the finish line with little to no money out of pocket.
As specialists in the Florida market, we guide you through the various grants and second mortgage programs available through the Florida Housing Finance Corporation and other local initiatives.
- Florida Hometown Heroes: Significant assistance for those who serve our communities.
- Florida Assist (FL Assist): Up to $10,000 in a 0% interest, non-amortizing second mortgage.
- 3% & 4% HFA Grants: Forgivable grants that can be used for down payments or closing costs.
- Local County Programs: Specific assistance based on the Florida county where you are purchasing.
Quick Tools
How Assistance Works
Most down payment assistance (DPA) comes in the form of a "silent second" mortgage. This is a loan that often has no monthly payment and is only repaid when you sell the home, refinance, or pay off your primary mortgage. Some programs even offer "forgivable" grants that you don't have to pay back if you live in the home for a specific number of years.
Note: Most programs require you to be a first-time homebuyer (someone who hasn't owned a home in the last 3 years) and meet specific income and credit score requirements.
Your Path to Assistance
Qualification Steps
Program Matching
We review your profession, income, and location to find the best assistance programs you qualify for.
Homebuyer Education
Most DPA programs require a short, informative course on the responsibilities of homeownership.
Loan Approval
We secure approval for both your primary mortgage and the assistance loan simultaneously.
Closing with Confidence
Attend your closing with the assistance funds applied directly to your required costs.
See how much assistance you can get
Funds for these programs are often first-come, first-served. Check your eligibility today.