Welcome to the official resource for Florida first-time homebuyers. This site connects you to programs offering grants, tax credits, and down payment assistance to make your homeownership dreams a reality.
Apply directly through this site to access programs that provide up to $50,000 in assistance. Start today and take the first step toward owning your dream home.
See Which Florida First-Time Homebuyer Programs You Qualify For
First-Time Buyer Definition: Most programs define a first-time buyer as someone who hasn’t owned a home in the last three years.
Complete Education: Attend a HUD-certified homebuyer course, a common requirement for many grants and loans.
Income Limits: Eligibility depends on your household size and location, with specific income thresholds for each program.
Primary Residence: The home you purchase must be your main place of living.
Review the grants and loans available across Florida showcased below.
Use our online tool to see which programs you qualify for based on your financial situation.
Submit your application directly on this site and start your journey toward homeownership today.
These top-tier programs are designed to provide substantial assistance for first-time homebuyers in Florida. Explore these flagship options to secure the best support for your journey to homeownership.
Overview: Offers up to $35,000 in down payment and closing cost assistance as a 0% deferred second mortgage.
Benefits: Reduced first mortgage interest rates, no monthly payment on the second mortgage.
Eligibility: Full-time employees in community service roles, including teachers, firefighters, and healthcare workers.
Overview: Provides up to $50,000 in forgivable assistance for down payments and closing costs.
Benefits: 0% interest loan forgiven after 10 years of primary residence.
Eligibility: First-time buyers earning up to 120% of Broward County's median income. Minimum credit score of 640.
Overview: Up to $28,500 in assistance as a 0% no-payment loan for down payments and closing costs.
Benefits: Loan is forgiven after 20 years if the home remains your primary residence.
Eligibility: No first-time buyer requirement; income limits apply. Home must be located in Miami-Dade County.
Overview: Offers up to $10,000 as a 0%, deferred second mortgage for down payments and closing costs.
Benefits: No monthly payments required; loan is repaid only when you sell, refinance, or pay off the primary mortgage.
Eligibility: Must use a Florida Housing first mortgage and meet income/purchase price limits.
Overview: Provides up to $40,000 in deferred assistance for down payment and closing costs.
Benefits: Forgiven after 10 years of homeownership and primary residence in Tampa.
Eligibility: Income limits apply. Home must be located within Tampa city limits and pass a city inspection.
These programs are available across Florida, offering accessible options for first-time homebuyers. Explore statewide opportunities to find the right fit for your needs.
Offers affordable 30-year fixed-rate mortgages and automatically qualifies borrowers for Florida’s down payment assistance programs. Includes options for conventional, FHA, VA, and USDA loans. Income and purchase price limits apply.
Provides 3%, 4%, or 5% of the loan amount as forgivable second mortgages for down payments and closing costs. Loans are forgiven at 20% per year over five years. Income and purchase price limits apply.
Offers up to $10,000 in assistance as a zero-interest deferred loan. Funds are repaid only when you sell, refinance, or pay off the mortgage. Available in select counties across Florida.
Provides up to 5% of the loan amount as a grant to cover down payments or closing costs. No repayment required. Available in multiple counties, with income and purchase price limits.
Managed statewide and distributed locally to provide down payment assistance, homeownership counseling, and other resources. Available in all Florida counties through local government offices.
Discover programs tailored to specific areas in Florida, offering targeted assistance for homebuyers based on location.
HOME Homebuyers Program: Offers up to $12,500 in down payment and closing cost assistance as a deferred loan for eligible buyers in Pensacola and Escambia County.
SHIP First Time Homebuyers Program: Provides up to $25,000 for down payment and closing costs in Pensacola and Escambia County as a deferred loan.
Pensacola Homebuyer Incentive Program: Offers up to $30,000 in assistance for eligible low-to-moderate-income homebuyers in Pensacola.
Purchase Assistance Program (Panama City): Provides up to $50,000 for down payment and closing costs for homes within Panama City limits.
Down Payment Assistance Program (Tallahassee and Leon County): Offers up to $10,000 in deferred loans for eligible first-time buyers in Tallahassee and Leon County.
Programs in North Florida cater to homebuyers in cities like Gainesville and Daytona Beach, providing financial assistance for eligible buyers.
Down Payment Assistance Program (Gainesville): Provides up to $15,000 in forgivable loans for homes in Gainesville city limits.
SHIP Down Payment Assistance (Alachua County): Offers deferred loans for down payment assistance and necessary home repairs for properties outside Gainesville.
Homebuyer Assistance Program (Volusia County): Provides up to $44,000 in assistance for down payment and closing costs in Volusia County.
Affordable Home Ownership Assistance Program (Daytona Beach): Offers up to $50,000 in forgivable loans for eligible buyers in Daytona Beach.
Homebuyers in Central Florida can take advantage of programs offering substantial assistance for down payments and closing costs.
Down Payment Assistance Program (Orange County): Provides up to $45,000 in deferred loans for down payment and closing costs in Orange County.
East Tampa CRA Down Payment Assistance Program (Tampa): Offers up to $50,000 in forgivable loans for eligible first-time buyers in East Tampa.
South Florida programs focus on supporting buyers in Miami-Dade County and Hallandale Beach with significant financial assistance.
Homeownership Assistance Program (Miami-Dade County): Provides up to $28,500 in forgivable loans for first-time homebuyers in Miami-Dade County.
First-Time Home Buyer Program (Hallandale Beach): Offers up to $100,000 in forgivable loans for homes in the Hallandale Beach CRA district.
Federal and specialty programs make homeownership accessible with unique loan options and flexible terms.
FHA Loan: Allows buyers to purchase with as little as 3.5% down and flexible credit requirements.
VA Mortgage: Provides zero down payment loans for veterans and active military members.
USDA Mortgage: Offers 100% financing for eligible rural homebuyers.
We’ve helped thousands of Floridians achieve the dream of homeownership with the support of these first-time homebuyer programs.
From grants and loans to tax credits and specialty programs, we connect you to the resources you need to make buying your first home easier and more affordable.
See which programs you qualify for and apply online today to take the first step toward owning your dream home.
