Get up to$35,000IN DOWN PAYMENT ASSISTANCE*
Learn how Florida's Hometown Heroes Program can help you purchase a home with less money out of pocket — reduced fees, lower interest rates, and real assistance for the people who serve our communities.
Who May Qualify?
The program supports full-time Florida workforce heroes — the people who keep our communities healthy, safe, and educated. If you serve, you may qualify.
- First-time, income-qualified homebuyers purchasing a primary residence in Florida.
- Employed full-time by a Florida-based employer in an eligible occupation.
- Veterans and active U.S. military, reserves, Coast Guard, or Florida National Guard.
…and many other eligible professions!
- LAW ENFORCEMENT
- FIREFIGHTERS
- HEALTHCARE PROFESSIONALS
- TEACHERS & EDUCATORS
- VETERANS & ACTIVE MILITARY
- 911 OPERATORS
- MEDICAL PROFESSIONALS
- CHILD CARE WORKERS
Pick a time that works for you — funds are limited and offered first come, first served.
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How the Hometown Heroes Loan Works
Administered by Florida Housing Finance Corporation, the program helps first-time homebuyers in the communities they serve.
Up to 5% / $35,000
Receive up to 5% of the first mortgage amount — a maximum of $35,000 and minimum of $10,000 — toward down payment and closing costs.
0% Deferred Second Mortgage
Assistance is structured as a 0%, non-amortizing, 30-year deferred second mortgage. No monthly payments required.
Competitive First Mortgage
Eligible borrowers receive competitive market rates on FHA, VA, RD, and Conventional first mortgages, with reduced upfront fees and no origination points.
Veterans Get Extra Benefits
Those who serve or have served the country receive a lower first mortgage interest rate and additional special benefits under the program.
Financial Partner
We make homeownership possible for the heroes of Florida.