Hometown Hero's Florida Program
What is it and how can it benefit you?
With ZERO down payment, starting July 1st
making the dream of homeownership in Florida a reality may be easier than you think.
Did you know that achieving the dream of homeownership
in Florida might be easier than you think?
With the Hometown Heroes program, you can finance your new home with a ZERO down payment!
Here are some incredible benefits you can take advantage of:
Up to 5% Assistance
Receive up to $35,000 to help with your new home's down payment and closing costs.
Financial Assistance
Offered in the form of a 30-year second mortgage, with no amortization and 0% interest. You only pay it back when you sell the property or pay off the mortgage.
Eligibility
This program is available only to Florida residents and those who work full-time for a Florida-based company. It applies to conventional, FHA, and VA loans.
NEW GUIDELINES & HOW TO RESERVE YOUR FUNDS!
Let’s take the next step together toward making your dream of homeownership come true!
Income Limits Example:
• Miami-Dade: $170,250
• Palm Beach: $160,650
• Broward: $158,400
• St. Lucie/Martin: $137,550
• Orange/Osceola: $144,750
• Hillsborough/Pinellas: $143,250
How does it work?
• It’s a 0% interest second mortgage with no monthly payments.
• Pay it back only when you sell, refinance, or pay off the loan.
• Works with all traditional loan programs across Florida.
THE OPPORTUNITY YOU’VE BEEN WAITING FOR IS HERE!
Starting July 1st, 2025, the program is open to
ALL First-Time Florida Homebuyers!
Receive up to $35,000 for down payment and closing costs.
Buy a home up to $800,000 with little to no money out of pocket!
How much can you get?
Roughly 5% of the purchase price:
• $300K = $15,000
• $500K = $25,000
• $700K = $35,000
Who qualifies?
Any full-time worker in Florida who hasn’t owned a primary residence in the past 3 years.
Veterans do NOT need to be first-time buyers.
Self-employed with a Florida business license are eligible.
Minimum 640 credit score.
Income limits apply (only for borrowers on the loan).