FHA, VA, or USDA-RD
6.750%Down payment assistance
Assistance is part of the plan, not a standalone promise.
See which details determine program fit, understand how assistance can affect the first mortgage, and prepare for a current eligibility review.
What changes the answer
The program name is only the beginning.
The useful question is not simply whether assistance exists. It is whether a currently funded option fits the location, household, first mortgage, timeline, and full file.
- County or city where the home will be purchased
- Household size and program-specific income calculation
- First-time homebuyer definition and possible exceptions
- Credit, debt-to-income ratio, reserves, and approved first mortgage
- Homebuyer education, funding availability, and closing timeline
Daily program pricing
Today's Florida Housing DPA rate snapshot.
Compare the first-mortgage lock rates attached to major statewide assistance paths. Then compare the complete payment and assistance terms.
Last verified snapshotPosted July 10, 2026
Standard Bond
FL Assist $10,000 or FL HLP $12,500
Fannie Mae HFA Preferred
7.500%Freddie Mac HFA Advantage
7.250%Current program noteHometown Heroes 2026 is anticipated to become available July 13, 2026.
Program lock rates are not ordinary retail rate quotes and do not guarantee eligibility, approval, funds, or a lock. Rates may change during the day. Income, purchase price, property, first-time-buyer rules, loan type, participating lender requirements, and available funding still apply. County programs may not publish one daily first-mortgage rate.
Program map
Three places to look, followed by one complete comparison.
These are broad program families, not a list of guaranteed benefits. Details and funding can change.
Statewide programs
Florida Housing programs can combine an eligible first mortgage with assistance. Income, purchase price, education, credit, and first-time-buyer rules can apply.
County and city programs
Local programs may offer forgivable, deferred, or repayable assistance. Funding windows and geographic boundaries matter.
Occupation and service paths
Some programs are shaped around an eligible occupation, military service, or veteran status. The definition and current availability must be verified.
Quick fit check
Start with the details that narrow the search.
This is deliberately shorter than an application. It prepares a useful conversation without pretending that four answers determine approval.
Your next move
Compare assistance with a low-down-payment option before you choose.
Dennis can review the current assistance terms alongside the complete payment and cash-to-close picture.