Down payment assistance (DPA) programs offer grants, loans, or second mortgages to help you cover the upfront costs of buying a home. Many programs also help with closing costs. 

These programs are especially helpful for: 

• First-time homebuyers 
• Moderate to low-income families 
• Public service workers (teachers, nurses, veterans) 
• Buyers purchasing in specific counties or cities 

Florida Hometown Heroes Program

Launched in 2022 and still active, this program helps first responders, teachers, military members, and healthcare professionals. 

• Up to $35,000 in assistance (0% interest loan) 

• Can be used for down payment and closing costs 

• Must be a first-time homebuyer or not have owned a home in 3 years 

• Must work full-time in Florida 

Why it’s great: It’s one of the most generous DPA programs in the state and supports the people who serve our communities. 

Florida Assist (FL Assist) – Through Florida Housing Finance Corporation

• Offers up to $10,000 as a second mortgage 

• 0% interest, deferred until you sell or refinance 

• Works with FHA, VA, USDA, or Conventional loans 

• Must meet income and purchase price limits 

This program has helped thousands of buyers from 2021 to today. 

3%, 4%, or 5% Forgivable Loan Program (Florida Housing) 

• Down payment help based on the loan amount 

• Loan is forgivable after 5 years (you don’t have to repay if you stay in the home) 

• Available statewide through approved lenders 

Best for: Buyers who plan to stay in their home long-term. 

Local Programs (City and County-Specific)

Many cities and counties offer additional assistance programs for residents. These often work alongside state programs. 

Here are some examples: 

• Orange County (Orlando area): Offers up to $30,000 for income-qualified buyers 

• Osceola County: Down payment help for first-time buyers who meet credit and income requirements 

• Hillsborough County (Tampa): Assistance up to $25,000 through local partnerships 

Check your city or county’s housing website to see if you qualify. 

How to Qualify for Down Payment Assistance 

Each program has different rules, but most require: 

• A minimum credit score (typically 640+) 

• Income within set limits (varies by county) 

• Completion of a homebuyer education course 

• Use of an approved lender 

Tips for Using These Programs Successfully 

✅ Work with a real estate agent or lender who knows these programs
✅ Get pre-approved early and ask which programs you’re eligible for
✅ Be prepared with tax returns, pay stubs, and credit info
✅ Take your time with the homebuyer class—it’s free and helpful! 

Don’t let a down payment hold you back from owning a home in Florida. With the right help, you can become a homeowner sooner than you think. These down payment assistance programs have been changing lives across the state since at least 2021—and they’re still going strong in 2025. 

If you’re dreaming of buying in Central Florida, from Orlando to Kissimmee to Clermont, these programs could be your key to finally owning your home.