FHA, VA, or USDA-RD
7.000%Down payment assistance
Need help covering the down payment or closing costs?
You may have more options than you think. I will help you sort through what may actually work before you get your hopes up or rule yourself out.
You do not have to know the program names
Tell me about the home, the household, and the help you need.
It is my job to sort through the programs. Your job is to give me the basics so I can see which options are funded, which rules matter, and which ones are worth a closer look.
- Where in Florida you plan to buy
- How many people are in the household and the household income
- Whether you have owned a home recently
- Your general credit, monthly obligations, and cash available
- How soon you want to buy and whether the program is currently funded
Today's program pricing
Here is what Florida's major assistance programs are pricing today.
The assistance gets the attention, but the first-mortgage rate affects the payment. Click through the programs, then let me help you compare the full cost.
Last verified program snapshotPosted July 15, 2026
Standard Bond
FL Assist $10,000 or FL HLP $12,500
Fannie Mae HFA Preferred
7.500%Freddie Mac HFA Advantage
7.250%Hometown Heroes fundingOver $45 Million Available in Hometown Heroes 2026 DPA
Current program noteOver $45 Million Available in Hometown Heroes 2026 DPA. You may not switch an existing reservation to HTH.
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.
Where the help may come from
There is more than one place to look for assistance.
These are the three main program families I review. None is guaranteed, and funding and rules can change.
Florida programs
Some statewide programs combine a first mortgage with down payment or closing-cost help. Your income, home price, credit, education, and homeownership history can all affect the answer.
County and city programs
Local programs can be generous, but they may open and close as funding changes. Where you buy matters just as much as how much you earn.
Programs tied to work or service
Some options are built for eligible occupations, military service, or veterans. I will help you confirm what is actually available before you plan around it.
A quick starting point
Give me the basics. I will help you narrow it down.
This is not an application, and it will not determine approval. It simply gives me enough context to start looking in the right places.
Your next move
Do not choose a program based only on the assistance amount.
I can compare the current program terms with a standard low-down-payment option so you can see which one leaves you in the better position.