The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce. It provides down payment and closing cost assistance to qualified homebuyers, a lower first mortgage interest rate, and additional special benefits to those who have served and continue to serve their country.
Affordable Homes for Florida's Hometown Heroes
The Florida Housing Finance Association's Florida Hometown Heroes Loan Program offers first-time, income-qualified homebuyers an affordable opportunity to purchase a primary residence in the community they work and serve.
- Borrower must be employed full-time by a Florida employer.
- For a primary residence purchases only.
- Income limits apply.
- Purchase price limits vary by county.
- Credit score 650 or higher required.
- Down payment and closing cost assistance of 5% of the total loan amount up to $35,000 is provided as a 0%, non-amortizing, 30-year repayable second mortgage.
Restrictions apply.

“Arnie was knowledgeable of a county program of a loan at 0% interest that reduced my down payment significantly, whereas when I checked with another lender and that person was not aware of or did not want to do the extra paperwork involved.” —George P.