← Back to All Programs
Florida Hometown Heroes Program
Up to $35,000 Down Payment & Closing Cost Assistance
The Florida Hometown Heroes Housing Program helps full-time Florida workers purchase a primary residence. It provides 5% of the total loan amount (up to $35,000) in 0% interest, deferred down payment assistance.
Best For:
Full-time Florida employees including healthcare workers, teachers, law enforcement, firefighters, military, and local workers.
Key Guidelines & Requirements
- Must be employed full-time by a Florida-based employer (35+ hours/week)
- Minimum 640 credit score
- First-time homebuyer or haven't owned a home in 3 years
- Income must not exceed 150% of the county area median income
Program Benefits & Considerations
Pros:
- ✓ Up to $35,000 assistance at 0% interest with no monthly payments
- ✓ Lower upfront fees
- ✓ Can be combined with FHA, VA, Conventional, or USDA loans
Considerations:
- ! Repayable upon sale, refinance, or transfer of the property
- ! Funds are limited annually on a first-come, first-served basis
Frequently Asked Questions
Do I have to repay the Hometown Heroes loan?
The assistance is a 0% deferred 2nd mortgage due only when you sell or refinance.
See If You Qualify For Florida Hometown Heroes Program
Mark Harris will review your scenario and provide an exact wholesale rate and payment quote.
Start Free Loan Analysis