Florida Down Payment Assistance Programs (2026)

Q: How much down payment assistance can I get in Florida?

Most Florida buyers combine the statewide Hometown Heroes or FL HLP second mortgage (up to $35,000 or 5% of the loan) with a local city or county SHIP program. Combined assistance commonly lands between $20,000 and $75,000, though large-metro programs in Miami, Miami Beach, and Fort Lauderdale can push total assistance well above $100,000 for income-qualified buyers.

Q: What is the difference between Hometown Heroes and the Florida Homeownership Loan Program?

Hometown Heroes is a Florida Housing second mortgage designed for full-time Florida workers in essentially any profession; it provides up to 5 percent of the first mortgage (max $35,000) with a 0 percent deferred second. FL HLP is a broader Florida Housing second mortgage for any eligible buyer, also up to 5 percent. Most buyers qualify for one or the other, not both, and your loan officer will price both to see which works better with your first mortgage.

Q: Do I need to be a first-time homebuyer to use Florida DPA?

Many Florida programs require first-time buyer status, defined as not having owned a home in the past three years. However, targeted area programs and some city SHIP programs waive this requirement, and Hometown Heroes does not require first-time buyer status for qualifying Florida workers. Always verify with the program administrator.

Q: What are the income limits for Florida DPA programs?

Limits vary by county because they are indexed to area median income (AMI) published by HUD. Statewide programs often cap eligibility at 150 percent of AMI for Hometown Heroes and 80 to 140 percent of AMI for SHIP-funded local programs. In Miami-Dade, 100 percent AMI for a family of four is approximately $90,900; in Orlando, it is closer to $96,400. Your lender can confirm the limits that apply to your specific county and household size.

Q: Can I use Florida down payment assistance to buy a condo?

Yes, most Florida DPA programs allow condos provided the project is FHA, VA, or Fannie Mae approved (depending on your first mortgage type) and meets program occupancy and insurance requirements. Condo approvals are the most common delay in DPA-backed closings, so verify the building's status before making an offer.

Q: How does SHIP purchase assistance work?

SHIP (State Housing Initiatives Partnership) funds are distributed by Florida Housing to every county and the 50 largest cities. Each jurisdiction writes its own guidelines, so SHIP purchase assistance in Miami-Dade looks different from SHIP in Duval or Pinellas. SHIP is typically structured as a deferred 0 percent loan that is forgiven after a set occupancy period or repaid on sale or refinance.

Q: Can I combine multiple Florida down payment assistance programs?

Yes. A typical stack is a statewide Florida Housing second mortgage (Hometown Heroes, FL HLP, or FL Assist) layered with a local SHIP program. Some programs restrict stacking, so always disclose every source of funds to your lender and confirm layering rules with each administrator.

Q: What credit score do I need for Florida DPA?

Florida Housing programs generally require a 640 middle credit score, though some lenders require 660 or higher for specific first mortgage products. Local SHIP programs are sometimes more flexible. A credit score in the low 700s unlocks the widest selection of programs and lender partners.

Last updated: April 2026 | By Down Payment Scout team

Florida offers 198 down payment assistance programs to help homebuyers cover their down payment and closing costs. This includes 6 grant programs that never require repayment. Programs range from statewide options administered by the state housing finance agency to local city and county programs targeting specific communities.

Maximum assistance available reaches $400,000 through the most generous program. Credit score requirements start as low as 600 for some programs. Most programs require the home to be your primary residence, and many require homebuyer education.

Florida Housing Market at a Glance

Florida has one of the most active DPA markets in the country, anchored by Florida Housing Finance Corporation's statewide programs (Hometown Heroes, FL HLP, FL Assist) plus dozens of county and city SHIP programs funded by state housing trust dollars. Typical buyer assistance stacks between $7,500 and $35,000; coastal metros and city programs can push combined assistance well past $100,000.

Median Home Price

$400,000

Statewide, approximate 2026 Q1

Programs Available

198

Across Florida statewide and local

Max Assistance

$400,000

Top single-program award

Top Down Payment Assistance Programs in Florida

Highlighted programs that combine high assistance amounts with statewide or major-metro availability. See the full list below.

Hometown Heroes

verify

Florida Housing Finance Corporation (FHFC)

5% of first mortgage (max (max UP TO 5% of first mortgage (max $35,000))

deferred loan📍 Statewide

Florida Homeownership Loan Program (FL HLP)

verify

Florida Housing Finance Corporation (FHFC)

5% of the loan amount (e.g. (max UP TO 5% of the loan amount (e.g., $15,000 on a $300,000 purchase))

deferred loan📍 Statewide

FL Assist Second Mortgage

verify

Florida Housing Finance Corporation (FHFC)

UP TO $7,500 (most counties); UP TO $10,000 in Palm Beach County

deferred loan📍 Statewide

City of Miami District 5 Expanded First-Time Homebuyer Program

open

City of Miami Housing and Community Development

UP TO $200,000 (based on household income and need)

deferred loan📍 Miami

Miami Beach First-Time Homebuyer Program

verify

City of Miami Beach Office of Housing and Community Services

$40,000 to $150,000 (based on household income and purchase price)

forgivable loan📍 Miami Beach

City of Tampa Dare to Own

verify

City of Tampa

UP TO $50,000

forgivable loan📍 Tampa

City of Orlando DPA

closed

City of Orlando

UP TO $45,000

forgivable loan📍 Orlando

City of Jacksonville DPA

verify

City of Jacksonville

UP TO $25,000

deferred loan📍 Jacksonville

DPA by Florida Metro

Median home prices and area median income differ across Florida, which changes which programs make sense for each buyer.

Miami-Fort Lauderdale

Median price: $580,000
100% AMI (4 person): $90,900

Miami-Dade, Miami Beach, Hialeah, and Fort Lauderdale all run their own SHIP-funded purchase assistance alongside county and state options.

Orlando (Orange County)

Median price: $395,000
100% AMI (4 person): $96,400

City of Orlando, Orange County SHIP, and Seminole County programs layer with Florida Housing's state DPA.

Tampa Bay

Median price: $395,000
100% AMI (4 person): $92,900

City of Tampa Dare to Own, Pinellas County, and St. Petersburg assistance complement state programs.

Jacksonville (Duval County)

Median price: $330,000
100% AMI (4 person): $93,300

City of Jacksonville DPA pairs with statewide Florida Housing programs for moderate-income buyers.

St. Petersburg

Median price: $380,000
100% AMI (4 person): $92,900

City of St. Petersburg Purchase Assistance offers up to $60,000 for eligible low-to-moderate income buyers.

Fort Lauderdale (Broward County)

Median price: $520,000
100% AMI (4 person): $92,800

Broward County and City of Fort Lauderdale first-time buyer programs stack with Florida Housing DPA.

What DPA Looks Like for Real Florida Buyers

Illustrative scenarios drawn from common buyer profiles. Actual eligibility and awards are determined by program administrators based on your documented income, credit, and property.

First-time buyer in Tampa

Household: Single income, one dependent
Income: $75,000
Target Purchase Price: $340,000

DPA Strategy

Hometown Heroes second mortgage (up to $35,000) paired with Florida Housing's HFA Preferred Grant for closing costs. Buyer puts down roughly $17,000 of their own funds and moves in with most closing costs covered.

Effective monthly payment matches a 10% down conventional scenario on a moderate-income W-2 budget.

Teacher in Orlando

Household: Dual-income household, two children
Income: $95,000 combined
Target Purchase Price: $395,000

DPA Strategy

Hometown Heroes (available to Florida-certified educators and school district employees) for up to $35,000 stacked with City of Orlando DPA up to $45,000. Total assistance can reach $80,000 in a qualifying census tract.

Buyer brings minimal cash to close, protects cash reserves for emergency savings, and locks in a fixed-rate first mortgage.

Lower-income first-time buyer in Jacksonville

Household: Family of four at roughly 70% AMI
Income: $55,000
Target Purchase Price: $280,000

DPA Strategy

Duval County SHIP Purchase Assistance combined with the FL Assist second mortgage. SHIP funds are often deferred at 0% interest and only repaid on sale or refinance.

Buyer closes with under $3,000 of their own cash, qualifies for an FHA first mortgage, and the SHIP loan sits silently until they eventually sell or refinance.

Scenarios are illustrative, not offers of credit. Your actual eligibility depends on full underwriting.

Grant Programs (6)

Grants are the gold standard of down payment assistance. You receive the money and never have to pay it back.

City of Panama City First-Time Homebuyers Program

City of Panama City Housing and Community Services

verify

UP TO $50,000 down payment assistance plus UP TO $10,000 for eligible closing costsdown payment assistance

citygrant📍 Panama City

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Income limits by household size; approx....
Min Credit Score: Not specified
Property Types: single-family, condo, townhome
Max Price: $300,000

Quick Facts

Loan Types: Not specified
Assistance Type: grant
Profession: all
Homebuyer Ed.: Yes

Income Limits

Income limits by household size; approx. $52,750-$112,920 depending on AMI tier and family size

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred-payment second mortgage; forgiven if primary residence maintained through 30-year term; due on sale, refinance, or vacating before term end

Additional Requirements

Distributed as one-time grant with second mortgage recorded on purchased home; includes first-time homebuyer counseling

Notes

Must not have purchased or owned a home in the last 3 years

Visit Program Website ↗

Down Payment Assistance Program

City of Palatka

open

$20,000down payment assistance

agencygrant📍 Putnam

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Down Payment Assistance

Confederated Tribes of Grand Ronde - Housing

open

20 (max $20,000)down payment assistance

agencygrant📍 Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Cu...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

First-Time Home Buyer Grant Program

Realtors Care Foundation Inc.

open

$7,500down payment assistance

agencygrant📍 Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: grant
Profession: All
Homebuyer Ed.: No

Visit Program Website ↗

Market Rate Program

Lee County Housing Finance Authority

open

5down payment assistance

agencygrant📍 Collier, DeSoto, Lee, Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: grant
Profession: All
Homebuyer Ed.: Yes

Visit Program Website ↗

Coral Springs - Home Buyer Grant Programs

USDA Rural Mortgage

open

Amount not specified

agencygrant📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: grant
Profession: All
Homebuyer Ed.: No

Visit Program Website ↗

Forgivable Loans (25)

Forgivable loans are forgiven after a set period of living in the home. If you stay, you keep the money.

Miami Beach First-Time Homebuyer Program

City of Miami Beach Office of Housing and Community Services

verify

$40,000 to $150,000 (based on household income and purchase price)down payment assistance

cityforgivable loan📍 Miami Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per City of Miami Beach income guideline...
Min Credit Score: 650+
Property Types: Single-family, Condominiums, Townhomes, Twin homes
Max Price: Not specified

Quick Facts

Loan Types: First mortgage from an FDIC-insured bank or mortgage lender
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Per City of Miami Beach income guidelines (reflects high-cost market)

Check AMI limits for your county →

Interest Rate

0% (deferred forgivable loan, forgiven after 15 years)

Repayment Terms

15-year forgivable second mortgage; forgiven if primary residence maintained through term

Additional Requirements

Waitlist currently open per official page

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required; must be within City of Miami Beach

Visit Program Website ↗

Martin County SHIP Purchase Assistance Program

Martin County Community Development Division

open

UP TO $103,500 (very low/low income); UP TO $83,500 (moderate income)down payment assistance

countyforgivable loan📍 Martin County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80-120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes (mobile homes not eligible)
Max Price: $560,154

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Very Low/Low income (up to 80% AMI) or Moderate income (80-120% AMI)

Check AMI limits for your county →

Repayment Terms

15-year term; forgiven 1/3 at end of years 5, 10, and 15; full repayment if sold or transferred before term ends

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required

Visit Program Website ↗

Palm Beach County DPA

Palm Beach County

verify

UP TO $100,000down payment assistance

countyforgivable loan📍 Palm Beach County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $568,557

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 80% AMI for Palm Beach County

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 30 years

Additional Requirements

PROGRAM STATUS: CLOSED as of 1/15/2026

Visit Program Website ↗

Palm Beach County SHIP Purchase Assistance Program

Palm Beach County Housing and Economic Development

verify

UP TO $100,000down payment assistance

countyforgivable loan📍 Palm Beach County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 140% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhouses, Villas, Condominiums (within Palm Beach County)
Max Price: $568,557

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 140% AMI; SHIP funds serve very low, low, and moderate income households

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 30 years

Visit Program Website ↗

Hallandale Beach CRA First-Time Homebuyer DPA Program

City of Hallandale Beach Community Redevelopment Agency (HBCRA)

open

120% AMI (max UP TO $100,000 (affordable housing buyers 50-120% AMI); UP TO $10,000 (workforce housing 120-140% AMI); additional $5,000 for first responders, teachers, nurses)down payment assistance

cityforgivable loan📍 Hallandale Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 50-120% AMI
Min Credit Score: 640+
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: teachers, first responders, healthcare workers
Homebuyer Ed.: Not specified

Income Limits

50% to 140% of Broward County median income; affordable housing: 50-120% AMI; workforce: 120.01-140% AMI

Check AMI limits for your county →

Repayment Terms

0% forgivable second mortgage over 10-year period

Additional Requirements

FY 2025-2026 OPEN; last day to submit June 30, 2026; additional $5,000 incentive for first responders, teachers, and nurses

Notes

Must not have owned a home in prior 3 years

Visit Program Website ↗

Broward County DPA

Broward County

open

$40,000 to $80,000down payment assistance

countyforgivable loan📍 Broward County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Single-family, Condominiums, Townhomes, Villas, Manufactured homes (no mobile ho...
Max Price: $636,806

Quick Facts

Loan Types: Fixed-rate Conventional, FHA, VA, or other governmental loans
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 80% AMI; Hollywood applicants may qualify up to 120% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 15 years

Visit Program Website ↗

Bay County SHIP Purchase Assistance Program

Bay County Housing Division

verify

UP TO $50,000 (referenced also as UP TO $75,000)down payment assistance

countyforgivable loan📍 Bay County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: 640+
Property Types: single-family, condo, townhome, mobile home
Max Price: $481,176

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% AMI (approx. $112,920 for family of 4 in 2026); some scenarios up to 140% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred second mortgage; forgiven 10% annually beginning year 6; fully forgiven at 15-year term if primary residence maintained; prorated forgiveness if sold before term

Additional Requirements

Separate from City of Panama City program; applies to unincorporated Bay County and listed cities only

Notes

Must not have owned a home in prior 3 years; veterans/targeted areas may qualify without first-time buyer status

Visit Program Website ↗

Cape Coral Down Payment Assistance Program

City of Cape Coral Community Development - Housing and Grants Division

open

UP TO $75,000down payment assistance

nonprofitforgivable loan📍 Florida

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: single-family
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

At or below 120% AMI. Priority given to very-low income (50% AMI) and Special Needs households.

Check AMI limits for your county →

Repayment Terms

Zero-interest deferred loan, no monthly payments. Fully forgiven after 7 years of continuous owner-occupancy. Must be repaid if sold or refinanced before 7-year period.

Additional Requirements

Must complete HUD-approved homebuyer education course. Apply through approved participating lender. Funds distributed first-come, first-served. Contact: housing@capecoral.gov or 239-573-3164

Notes

Must not have owned a home in the past 3 years. Occupancy requirement: Must purchase within the City of Cape Coral. Owner-occupancy for 7 years.

Visit Program Website ↗

Orange County DPA

Orange County

open

$10,000 to $70,000 (varies by income tier)down payment assistance

countyforgivable loan📍 Orange County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Varies by tier
Min Credit Score: 620+
Property Types: Single family, condominiums, townhouses, modular homes
Max Price: $345,000

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by tier

Check AMI limits for your county →

Repayment Terms

Deferred loan, forgiven over 10 years

Additional Requirements

Must have 12 months residency in Orange, Osceola, Lake, Polk, Brevard, Seminole, or Volusia County. Very low/low income borrowers contribute $500 minimum; moderate income borrowers contribute $1,000 minimum.

Visit Program Website ↗

City of St. Petersburg Purchase Assistance

City of St. Petersburg

open

UP TO $60,000down payment assistance

cityforgivable loan📍 St. Petersburg

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 100% AMI
Min Credit Score: Not specified
Property Types: Single-family, Condominiums, Townhomes, Cooperative apartments (within St. Peter...
Max Price: $544,233

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Tiered: 100% forgiven at <=80% AMI, 50% forgiven for higher income

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, 100% forgiven after 10 years (<=80% AMI) or 50% forgiven for higher income

Visit Program Website ↗

City of Tampa Dare to Own

City of Tampa

verify

UP TO $50,000down payment assistance

cityforgivable loan📍 Tampa

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 50-140% AMI
Min Credit Score: 600+
Property Types: Not specified
Max Price: $450,000

Quick Facts

Loan Types: FHA, VA, Conventional (fixed and fully amortized only)
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Household income 50.01%-140% AMI; 0-50% AMI not eligible

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 20 years

Additional Requirements

PROGRAM STATUS: PAUSED as of early 2026

Visit Program Website ↗

City of Tampa Dare to Own the Dream

City of Tampa Housing and Community Development

verify

UP TO $50,000down payment assistance

cityforgivable loan📍 Tampa

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 50-140% AMI
Min Credit Score: 600+
Property Types: Not specified
Max Price: $450,000

Quick Facts

Loan Types: FHA, VA, Conventional (fixed and fully amortized only)
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Household income 50.01%-140% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 20 years

Visit Program Website ↗

Hernando County SHIP Purchase Assistance Program

Hernando County Housing Authority / Community Development Division

verify

UP TO $50,000down payment assistance

countyforgivable loan📍 Hernando County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes (manufactured/mobile homes not eligible)
Max Price: $481,176

Quick Facts

Loan Types: Fixed interest rate first mortgage required
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

Forgivable; terms per SHIP LHAP; due on sale, refinance, or change of primary residence

Notes

Must not have owned a home in prior 3 years. Occupancy requirement: Primary residence required

Visit Program Website ↗

Palm Beach County Homebuyer Match Pilot Program

Palm Beach County Housing and Economic Development

verify

UP TO $50,000 (dollar-for-dollar match of buyer contribution)down payment assistance

countyforgivable loan📍 Palm Beach County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80-140% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: Single-family: $700,000; Townhome/Condo: $325,000

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

80% to 140% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

Forgivable; specific term per program guidelines

Additional Requirements

Minimum $10,000 buyer contribution required. Dollar-for-dollar match structure. $2M Phase 1 funding allocation

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required

Visit Program Website ↗

Lake County SHIP Homeownership Assistance Program

Lake County Community Services Division

verify

$50,000 (very low income); $40,000 (low income); $30,000 (moderate income)down payment assistance

countyforgivable loan📍 Lake County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Existing single-family homes, Manufactured homes (built after June 1994)
Max Price: Not specified

Quick Facts

Loan Types: 30-year fixed rate first mortgage
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Up to 120% AMI (tiered by very low/low/moderate)

Check AMI limits for your county →

Interest Rate

Repayment Terms

15-year forgivable loan; terms per SHIP LHAP

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required

Visit Program Website ↗

Gulf County SHIP Purchase Assistance Program

Gulf County ARPC (Apalachee Regional Planning Council)

verify

UP TO $50,000down payment assistance

countyforgivable loan📍 Gulf County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per SHIP income guidelines
Min Credit Score: Not specified
Property Types: Single-family homes, Manufactured homes (constructed 2005 or later)
Max Price: $255,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Per SHIP income guidelines

Check AMI limits for your county →

Repayment Terms

10-year forgivable loan; due on sale, refinance, or change of primary residence before term

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required; maximum purchase price $255,000

Visit Program Website ↗

Flagler County SHIP Purchase Assistance Program

Flagler County Housing Services

verify

50% AMI (max $49,950 (very low income, UP TO 50% AMI); $39,950 (low income, 50-80% AMI); $29,950 (moderate income, 80-120% AMI))down payment assistance

countyforgivable loan📍 Flagler County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Manufactured/Mobile homes (less than 5 years old on buyer-o...
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% AMI (tiered)

Check AMI limits for your county →

Interest Rate

Repayment Terms

15-year forgivable loan; forgiven over term if primary residence maintained

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required

Visit Program Website ↗

City of Orlando DPA

City of Orlando

closed

UP TO $45,000down payment assistance

cityforgivable loan📍 Orlando

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Low-moderate income
Min Credit Score: 620+
Property Types: Single family, condominiums, townhouses, modular homes
Max Price: $345,000

Quick Facts

Loan Types: FHA, VA, Conventional (fixed-rate only)
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by tier (very low, low, moderate income based on household size)

Check AMI limits for your county →

Repayment Terms

0% deferred loan, forgiven over 10 years

Additional Requirements

PROGRAM STATUS: NOT TAKING APPLICATIONS as of 1/15/2026

Visit Program Website ↗

City of Lakeland Community and Economic Development - Housing Division Down Payment Assistance

City of Lakeland Community and Economic Development - Housing Division

open

UP TO $40,000down payment assistance

stateforgivable loan📍 Florida

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 81-140% AMI
Min Credit Score: 660+
Property Types: single-family, condo, townhome, manufactured
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 80% AMI citywide ($40K max); up to 100% AMI in Midtown CRA district ($40K max). Moderate income (81-140% AMI) citywide: NO FUNDING AVAILABLE. Income limits: 1-person $46,700 (80%), 4-person $66,650 (80%).

Check AMI limits for your county →

Repayment Terms

Zero-interest deferred forgivable second mortgage loan. No monthly payments. Forgiven based on continued occupancy period. Repayable if home is sold, transferred, leased, rented, abandoned, or ceases to be primary residence.

Additional Requirements

Must complete HUD-certified homebuyer education course (HANDS of Central Florida, Reach for Housing, Housing Education Alliance, or other HUD-approved). Applications submitted by lender only through Neighborly portal. First $25,000 must be applied toward down payment (80% AMI tier). Funded through SHIP, HOME, and CRA funds. Contact: housing@lakelandgov.net or 863-834-3360

Notes

Must not have owned a home in the past 3 years. Occupancy requirement: Must purchase within the City of Lakeland limits

Visit Program Website ↗

City of Palm Bay HOME Down Payment Assistance Program

City of Palm Bay Community Development / Community Housing Initiative (CHI)

verify

UP TO $17,881.50 (very low income); UP TO $17,400 (income-eligible first-time buyers)down payment assistance

cityforgivable loan📍 Palm Bay

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 80% AMI (HOME); very low income up to 50% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest mortgage for 10-year term; loan and lien forgiven at end of 10-year term

Additional Requirements

Up to $7,000 of assistance may be used toward code-related rehabilitation; administered through Community Housing Initiative (CHI)

Notes

Must not have owned a home in prior 3 years

Visit Program Website ↗

HFA Preferred / HFA Advantage Grant

Florida Housing Finance Corporation (FHFC)

verify

3%, 4%, or 5% of the loan amountdown payment assistance

stateforgivable loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Varies by county per FHFC guidelines
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county per FHFC purchase price limits

Quick Facts

Loan Types: Conventional, HFA Advantage
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by county per FHFC guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest, no monthly payments; forgiven 20% annually over 5 years; full forgiveness if primary residence maintained for 5 years

Additional Requirements

Loan forgiven at 20% per year; fully forgiven after 5 years of continuous occupancy

Notes

Must not have owned a home in the prior 3 years

Visit Program Website ↗

Pinellas County CDBG-DR Homebuyer Assistance Program (HBA)

Pinellas County (CDBG-DR Hurricane Recovery Program)

verify

UP TO 100% of lender-required down payment and reasonable closing costsdown payment assistance

countyforgivable loan📍 Pinellas County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Modular homes, Manufactured homes (5 years or less), Duplex...
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA, Conventional (30-year fixed-rate; no ARM or balloon)
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% of Area Median Income (AMI)

Check AMI limits for your county →

Interest Rate

Repayment Terms

Forgivable 5-year second mortgage; forgiven 20% per year; no payments if primary residence maintained; full forgiveness after 5 years

Additional Requirements

$20M CDBG-DR allocation; hurricane disaster recovery program; priority given to applicants with direct hurricane impact

Notes

Not required to be first-time buyer; must be transitioning from renting to homeownership

Visit Program Website ↗

Sarasota County SHIP Down Payment Assistance (HERO Program)

Sarasota County Housing Enhancement and Redevelopment Office (HERO)

verify

3%, 4%, or 5% of loan amount (percentage determined by Automated Underwriting System); interest-free deferred loandown payment assistance

cityforgivable loan📍 Sarasota County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: 640+
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Below 80% AMI: up to $52,640; up to $148,050 for higher-income tiers; FHA/USDA/VA/Freddie Mac eligible

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred, interest-free, forgivable after occupancy requirements are met; due on sale, refinance, or change of primary residence

Additional Requirements

Established 2023; HERO office oversees local, state, and federal housing funding; walk-in office hours available

Notes

Must not have owned a home in prior 3 years; veterans may be exempt; buyers in targeted areas do not have first-time buyer requirement

Visit Program Website ↗

Pompano Beach First-Time Homebuyer Purchase Assistance Program

City of Pompano Beach Housing Division

verify

Amount not specified

cityforgivable loan📍 Pompano Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: FY2025 income limits apply
Min Credit Score: 600+
Property Types: Single-family homes, Townhomes, Condominiums (within Pompano Beach)
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

FY2025 income limits apply

Check AMI limits for your county →

Interest Rate

Repayment Terms

Forgivable loan; terms per program guidelines

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required; must be within City of Pompano Beach

Visit Program Website ↗

Jackson County SHIP Purchase Assistance Program

Jackson County ARPC (Apalachee Regional Planning Council)

verify

Amount not specified

countyforgivable loan📍 Jackson County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per SHIP income guidelines
Min Credit Score: Not specified
Property Types: Single-family homes, Condominiums, Modular homes, Manufactured homes (post-June ...
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: forgivable loan
Profession: all
Homebuyer Ed.: No

Income Limits

Per SHIP income guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

5-10 year forgivable term; terms per SHIP LHAP

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required

Visit Program Website ↗

Deferred Payment Loans (166)

Deferred loans require no monthly payments while you live in the home. You repay when you sell, refinance, or move out.

Manatee County SHIP/CDBG Down Payment Assistance Program

Manatee County Community Development Division

verify

120% AMI (max purchase (max Varies by program; SHIP: UP TO 120% AMI (max purchase $400,000); CDBG: UP TO 80% AMI)down payment assistance

countydeferred loan📍 Manatee County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums, Manufactured homes (HUD Code, buil...
Max Price: $400,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

CDBG: up to 80% AMI; SHIP: up to 120% AMI (Bradenton/Sarasota MSA)

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred second mortgage; terms vary; due on sale, refinance, or change of primary residence

Additional Requirements

Lender submits application on buyer's behalf; SHIP max purchase price $400,000

Notes

First-time buyer required

Visit Program Website ↗

Florida Homeownership Loan Program (FL HLP)

Florida Housing Finance Corporation (FHFC)

verify

5% of the loan amount (e.g. (max UP TO 5% of the loan amount (e.g., $15,000 on a $300,000 purchase))down payment assistance

statedeferred loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Varies by county per FHFC guidelines
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county per FHFC purchase price limits

Quick Facts

Loan Types: FHA, VA, USDA, Conventional
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by county per FHFC guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred second mortgage; due on sale, refinance, or when home is no longer primary residence

Additional Requirements

Combines competitive first mortgage rate with DPA second mortgage

Notes

Must not have owned a home in the prior 3 years

Visit Program Website ↗

City of Miami District 5 Expanded First-Time Homebuyer Program

City of Miami Housing and Community Development

open

UP TO $200,000 (based on household income and need)down payment assistance

citydeferred loan📍 Miami

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Income-eligible households; per City of ...
Min Credit Score: Not specified
Property Types: Single-family, Townhomes, Condominiums
Max Price: $500,000

Quick Facts

Loan Types: 30-year fixed rate (rate cannot exceed 150 bps over Freddie Mac PMMS)
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Income-eligible households; per City of Miami HCD guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred second mortgage terms per program guidelines

Additional Requirements

Notably high assistance amount (up to $200,000) reflecting Miami's high-cost housing market

Notes

First-time buyer required

Visit Program Website ↗

SHIP Purchase Assistance Program

City of Boca Raton

open

$175,000down payment assistance

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $636,806

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

City of Hialeah SHIP Down Payment Assistance

City of Hialeah Grants and Human Services Department

verify

UP TO $150,000down payment assistance

statedeferred loan📍 Florida

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: single-family, condo, townhome
Max Price: $5,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Very low, low, and moderate income (up to 80% AMI). 1-person: $63,550; 2-person: $72,650; 3-person: $81,700; 4-person: $90,800.

Check AMI limits for your county →

Interest Rate

Repayment Terms

Secured by recorded mortgage, promissory note, and declaration of restrictive covenants. Terms per SHIP LHAP guidelines.

Additional Requirements

Must complete homebuyer education class (certificate valid 6 months from application date). Must have mortgage pre-approval letter. Must contribute 2% of purchase price as down payment. Assisted properties must include rehabilitation component (minimum $5,000). City requires minimum 45 days to close. Contact: 305-883-8040

Notes

Must not have owned a home in the past 3 years. Occupancy requirement: Must purchase within the City of Hialeah

Visit Program Website ↗

Seminole County Purchase Assistance Program

Seminole County Community Services / Community Development

verify

UP TO $145,000 (based on income level and need)down payment assistance

countydeferred loan📍 Seminole County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Newly constructed or existing homes in Seminole County
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

At or below 120% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred payment loan; terms not specified on official page

Additional Requirements

Must complete homebuyer education through HELP CDC (HUD-certified housing counselor). Must be pre-approved through a Seminole County approved lender. Assistance provided on first-ready, first quality, first-served basis. Contact HELP CDC at 407-628-4832 to be notified when waiting list reopens

Notes

Must not have owned a home or had ownership interest in the 3 years prior to application. Occupancy requirement: Primary residence in Seminole County

Visit Program Website ↗

CRA Down Payment Assistance

Orlando Downtown Development Board / CRA

open

$125,000down payment assistance

agencydeferred loan📍 Orange

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Miami-Dade MDEAT Homeownership Assistance Program (HAP)

Miami-Dade Economic Advocacy Trust (MDEAT) Housing Division

verify

UP TO $28,000 (HAP); can be combined with UP TO $120,000 from other Miami-Dade programsdown payment assistance

countydeferred loan📍 Miami-Dade County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: 140% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 140% of Miami-Dade County Area Median Income (AMI)

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest non-amortized loan; may be forgiven without refinance or change in title/ownership over time

Additional Requirements

Can be stacked with other Miami-Dade County programs for combined assistance up to $120,000+; uses Surtax dollars

Notes

Available for moderate to middle-income households; not strictly first-time buyer requirement noted

Visit Program Website ↗

Nassau County SHIP Purchase Assistance Program

Nassau County Community Development

verify

UP TO $120,000 (varies by income category)down payment assistance

countydeferred loan📍 Nassau County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Condominiums, Manufactured home/land packages (less than 20...
Max Price: Cannot exceed 90% of median home sold price for last 12 months

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: No

Income Limits

Very low, low, and moderate income households up to 120% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

10-year deferred loan, forgiven 10% annually; full balance due upon sale, title transfer, or loss of homestead

Visit Program Website ↗

SHIP - Purchase Assistance Nassau

Nassau County

open

$120,000down payment assistance

agencydeferred loan📍 Nassau

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Manufactured, Single-Family, Townhouse/PUD, Condominium
Max Price: $602,915

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Collier County/Naples

open

$110,000down payment assistance

agencydeferred loan📍 Collier

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $793,938

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance Martin

Martin County Housing Assistance

open

$103,500down payment assistance

agencydeferred loan📍 Martin

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $619,629

Quick Facts

Loan Types: SHIP - Purchase Assistance Martin-30% AMI, SHIP - Purchase Assistance Martin-50% AMI, SHIP - Purchase Assistance Martin-80% AMI, SHIP - Purchase Assistance Martin-120% AMI, SHIP - Purchase Assistance Martin-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

Down Payment & Closing Cost Assistance

Nassau County

open

30 (max $102,747)down payment assistance

agencydeferred loan📍 Nassau

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $359,263

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Osceola County DPA

Osceola County

verify

UP TO $100,000down payment assistance

countydeferred loan📍 Osceola County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: $360,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Household income at or below 120% AMI for Orlando-Kissimmee area

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred second mortgage

Visit Program Website ↗

Miami-Dade Affordable Homeownership / Homebuyer Loan Program (HLP)

Miami-Dade County Public Housing and Community Development

verify

1% interest (vulnerability-ranked areas (max UP TO $100,000 at 1% interest (vulnerability-ranked areas) or UP TO $80,000 at 2% interest)down payment assistance

countydeferred loan📍 Miami-Dade County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Must not exceed CDBG, HOME, SHIP, or Sur...
Min Credit Score: Not specified
Property Types: Single-family homes, Townhouses, Condominiums, Twin-homes
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Must not exceed CDBG, HOME, SHIP, or Surtax income guidelines; must have been employed in same line of work for at least 24 months

Check AMI limits for your county →

Interest Rate

1% (loan up to $100,000) or 2% (loan up to $80,000)

Repayment Terms

30-year low-interest second/third mortgage; 1% or 2% depending on area; not a deferred loan - has modest interest rate

Additional Requirements

Interest rate based on vulnerability-ranked area of purchase; low-interest (not 0%) second and/or third mortgage structure

Notes

First-time buyer required; must have good credit history

Visit Program Website ↗

SHIP - Purchase Assistance (HFA) Purchase Assistance

Hillsborough County

open

$100,000down payment assistance

agencydeferred loan📍 Hillsborough

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Confirm My Choices

open

$100,000down payment assistance

agencydeferred loan📍 Lee, Lake

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance Marion

Marion County

verify

$100,000down payment assistance

agencydeferred loan📍 Marion

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured, Modular
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Homebuyer Assistance Program

City of Port St. Lucie - Neighborhood Services

open

$100,000down payment assistance

agencydeferred loan📍 St. Lucie

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

First Time Homebuyer Program (FTHB) - Affordable Housing

Hallandale Beach Community Redevelopment Agency

open

$100,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Nonprofit-Built Homes - Homebuyer Assistance

Flagler County

open

$90,000down payment assistance

agencydeferred loan📍 Flagler

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Community Land Trust, Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

First Time Homebuyer program

Town of Davie Community Affairs Division

open

$90,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured
Max Price: $636,806

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Indian River County

verify

$85,000down payment assistance

agencydeferred loan📍 Indian River

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

First-Time Homebuyer Purchase Assistance Program

City of Tamarac

open

50 (max $85,000)down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $382,194

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Coral Springs Purchase Assistance Program (FTHB)

City of Coral Springs Housing and Community Development

verify

UP TO $80,000down payment assistance

citydeferred loan📍 Coral Springs

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per SHIP/LHAP income guidelines
Min Credit Score: Not specified
Property Types: Newly constructed or existing homes
Max Price: Cannot exceed 90% of average area purchase price (U.S. Treasury)

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Per SHIP/LHAP income guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest, 15-year deferred loan; due on sale, refinance, or change of primary residence

Notes

First-time homebuyer required. Occupancy requirement: Primary residence required; must be within City of Coral Springs

Visit Program Website ↗

Home Buyer Purchase Assistance

Broward County Housing Finance Division

open

$80,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $636,806

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Home Down Payment Purchase Assistance Program

Osceola County - Housing and Community Services

open

$80,000down payment assistance

agencydeferred loan📍 Osceola

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

First Time Homebuyer program

Pompano Beach - Office of Housing & Urban Improvement

open

$80,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $418,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Homebuyer Purchase Assistance Program

The City of Weston

verify

$80,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Pinellas County Down Payment Assistance Program

Pinellas County Community Development

verify

Minimum $25,000; UP TO $75,000down payment assistance

countydeferred loan📍 Pinellas County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: 640+
Property Types: Single-family homes, Condominiums, Townhomes, PUDs
Max Price: $394,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to $58,450 individual / $83,450 family of 4 (roughly 80% AMI); varies by tier

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred second mortgage; HOME/SHIP funds; terms vary by household income; due on sale, refinance, or change of primary residence

Additional Requirements

Applications submitted by lender on buyer's behalf through program portal; minimum award of $25,000 to ensure efficient use of program resources

Notes

Must not have owned a home in the prior 3 years

Visit Program Website ↗

Brevard County SHIP Purchase Assistance Program

Brevard County Housing and Human Services / Community Housing Initiative (CHI)

verify

UP TO $75,000down payment assistance

countydeferred loan📍 Brevard County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 51-80% AMI
Min Credit Score: Not specified
Property Types: mobile home
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Very Low income (up to 50% AMI) or Low income (51-80% AMI); liquid assets must not exceed $15,000

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred second mortgage; forgiven over 10 or 15 years depending on amount; due on default, sale, or refinance before term ends

Additional Requirements

Moderate income clients may be subject to repayment rather than forgiveness; contact LaNesha White at Brevard County Housing to receive application

Notes

Must not have owned a home in the prior 3 years

Visit Program Website ↗

Volusia County Homebuyer Assistance Program (HBA)

Volusia County Community Assistance Division / Affordable Housing Partners (AHP)

verify

UP TO $75,000down payment assistance

citydeferred loan📍 Volusia County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 50-120% AMI
Min Credit Score: 640+
Property Types: Not specified
Max Price: $225,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

50-120% AMI standard; Essential Service Personnel eligible up to 140% AMI (teachers, healthcare, police, firefighters)

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest 15-year deferred non-assumable second mortgage with shared appreciation feature; due on sale, refinance, or move-out before term ends

Additional Requirements

Applications currently being accepted; funded through CDBG, HOME, and SHIP; implemented with cooperation of Affordable Housing Partners (AHP)

Notes

Must not have owned a home in prior 3 years; one-time use only (cannot have previously received this assistance)

Visit Program Website ↗

City of Fort Lauderdale First-Time Homebuyers Program

City of Fort Lauderdale Community Services / Housing and Community Development

verify

UP TO $75,000down payment assistance

citydeferred loan📍 Fort Lauderdale

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Income-eligible applicants purchasing wi...
Min Credit Score: Not specified
Property Types: Single-family homes, Townhouses, Condominiums, Villas
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Income-eligible applicants purchasing within Fort Lauderdale city limits

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred loan with forgiveness after affordability period as long as primary residence maintained

Additional Requirements

SHIP Notice of Funding Availability published for 2024-2025; also offers HOME Investment Partnerships assistance

Notes

First-time buyer; must purchase within city limits of Fort Lauderdale

Visit Program Website ↗

Homeownership-Purchase Assistance

Brevard County

verify

35 (max $75,000)down payment assistance

agencydeferred loan📍 Brevard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

Purchase Assistance

City of Clearwater

open

$75,000down payment assistance

agencydeferred loan📍 Pinellas

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $481,176

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayment begins in 60 months

Visit Program Website ↗

Purchase Assistance Program

City of Fort Lauderdale

open

$75,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: No

Interest Rate

None

Repayment Terms

Deferred Payment - Repayment begins in 180 months

Visit Program Website ↗

Downpayment and Purchase Assistance

City of Largo - Housing

open

$75,000down payment assistance

agencydeferred loan📍 Pinellas

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $481,176

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Purchase Assistance Program

City of Lauderhill - City Manager/Administration

open

$75,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Housing Down Payment Assistance

City of St. Petersburg

open

20 (max $75,000)down payment assistance

agencydeferred loan📍 Pinellas

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $510,939

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

First-Time Homeownership Program

Delray Beach - Neighborhood Services

open

$75,000down payment assistance

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $568,557

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

CDBG Homeownership Assistance Program

Lee County

verify

50 (max $75,000)down payment assistance

agencydeferred loan📍 Lee

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $380,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

DeSoto County

open

30 (max $70,000)down payment assistance

agencydeferred loan📍 Desoto

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance Manatee

Manatee County

open

$70,000down payment assistance

agencydeferred loan📍 Manatee

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $568,292

Quick Facts

Loan Types: SHIP - Purchase Assistance Manatee-30% AMI, SHIP - Purchase Assistance Manatee-50% AMI, SHIP - Purchase Assistance Manatee-80% AMI, SHIP - Purchase Assistance Manatee-120% AMI, SHIP - Purchase Assistance Manatee-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Purchase Assistance Program

City of Deerfield Beach

verify

$70,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: No

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Down Payment Assistance (DPA)

Orange County - Neighbors & Housing

open

$70,000down payment assistance

agencydeferred loan📍 Orange

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Modular
Max Price: $345,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Pasco County DPA

Pasco County

open

UP TO $65,000down payment assistance

countydeferred loan📍 Pasco County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Condominiums, Townhomes
Max Price: $330,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% AMI for Tampa Bay Area

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, forgiven over 30 years

Visit Program Website ↗

SHIP - Homebuyer Assistance

Monroe County

verify

$65,000down payment assistance

agencydeferred loan📍 Monroe

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured, Modular
Max Price: $1,004,063

Quick Facts

Loan Types: SHIP - Homebuyer Assistance-30% AMI, SHIP - Homebuyer Assistance-50% AMI, SHIP - Homebuyer Assistance-80% AMI, SHIP - Homebuyer Assistance-120% AMI, SHIP - Homebuyer Assistance-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance: Community Land Trust

Okaloosa County/Fort Walton Bch

open

$65,000down payment assistance

agencydeferred loan📍 Okaloosa

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Community Land Trust, Single-Family, Townhouse/PUD, Condominium
Max Price: $626,792

Quick Facts

Loan Types: SHIP - Purchase Assistance: Community Land Trust-30% AMI, SHIP - Purchase Assistance: Community Land Trust-50% AMI, SHIP - Purchase Assistance: Community Land Trust-80% AMI, SHIP - Purchase Assistance: Community Land Trust-120% AMI, SHIP - Purchase Assistance: Community Land Trust-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance: First-Time Homebuyer Program

Okaloosa County/Fort Walton Bch

open

$65,000down payment assistance

agencydeferred loan📍 Okaloosa

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $626,792

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Down Payment Assistance (DPA)

Pasco County Community Development Department

open

$65,000down payment assistance

agencydeferred loan📍 Pasco

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $330,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Fully Amortizing

Visit Program Website ↗

First Time Homebuyer program

City of Titusville Neighborhood Services

open

$64,500down payment assistance

agencydeferred loan📍 Brevard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Modular
Max Price: $269,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

City of Deltona SHIP Down Payment Assistance Program

City of Deltona Housing and Community Development

verify

50% AMI (max UP TO $60,000 (Very Low 50% AMI); UP TO $55,000 (Low 80% AMI); UP TO $50,000 (Moderate 120% AMI); plus UP TO $15,000 for rehabilitation)down payment assistance

citydeferred loan📍 Deltona

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 120% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: $544,233

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 120% AMI (Moderate income tier); tiered by income level

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred loan; forgiven after 10-15 years of continuous occupancy

Additional Requirements

Online SHIP Down Payment Assistance Pre-Screen available at deltonafl.gov for preliminary eligibility check

Notes

First-time buyer required

Visit Program Website ↗

Housing Assistance Purchase Program Yearly (HAPPY)

City of Westlake - Community

open

$60,000down payment assistance

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Workforce Housing Program (WHP)

Palm Beach County - Housing & Economic Development

open

27 (max $55,736)down payment assistance

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $405,600

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Collier County SHIP Down Payment Assistance Program

Collier County Community and Human Services Division

verify

Very Low Income: $50,000; Low Income: $30,000; Moderate Income: $20,000 (additional $5,000 for Essential Services Personnel)down payment assistance

citydeferred loan📍 Collier County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 51-80% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhomes, Condominiums
Max Price: $793,938

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: No

Income Limits

Based on income level: Very Low (up to 50% AMI), Low (51-80% AMI), Moderate (81-120% AMI); DTI: 32% front / 45% back

Check AMI limits for your county →

Interest Rate

Repayment Terms

30-year deferred payment loan; 0% interest; no monthly payments; due on sale, transfer, or when home is no longer primary residence

Additional Requirements

Also offers HOME Investment Partnerships Program (max purchase $461,000); first-come, first-qualified basis until funds exhausted

Notes

Must not have owned a home in prior 3 years

Visit Program Website ↗

City of Daytona Beach Redevelopment and Neighborhood Services Department Down Payment Assistance

City of Daytona Beach Redevelopment and Neighborhood Services Department

verify

UP TO $50,000down payment assistance

nonprofitdeferred loan📍 Florida

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: single-family
Max Price: $258,690

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: teachers, law enforcement, healthcare workers
Homebuyer Ed.: Yes

Income Limits

Extremely low, very low, low, and moderate income (up to 80% AMI). 1-person: $50,650; 2-person: $57,850; 3-person: $65,100; 4-person: $72,300.

Check AMI limits for your county →

Interest Rate

Repayment Terms

Zero-interest deferred mortgage loan. Affordability period: 20 years (new construction) or 15 years (existing). Full amount due if property restrictions violated. Tiered by income: Very Low up to $50K, Low up to $40K, Moderate up to $30K.

Additional Requirements

Must complete homebuyer education and credit counseling. Must contribute at least $500 toward purchase. Must secure viable first mortgage financing. Liquid assets cannot exceed $5,000 (excluding personal property). Essential personnel (fire, law enforcement, nurses, teachers) specifically targeted. Apply through partner agencies: Mid-Florida Housing (386-274-4441), Central Florida CDC (386-226-1216), or Habitat for Humanity (386-257-9950)

Notes

Must be first-time homebuyer. Occupancy requirement: Must purchase within the City of Daytona Beach limits. Primary residence for entire affordability period.

Visit Program Website ↗

SHIP - Purchase Assistance

Duval County

open

$50,000down payment assistance

agencydeferred loan📍 Duval

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $602,915

Quick Facts

Loan Types: Purchase Assistance without Rehab Duval-30% AMI, Purchase Assistance without Rehab Duval-50% AMI, Purchase Assistance without Rehab Duval-80% AMI, Purchase Assistance without Rehab Duval-120% AMI, Purchase Assistance without Rehab Duval-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Down Payment Assistance

Hernando County

open

$50,000down payment assistance

agencydeferred loan📍 Hernando

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Purchase Assistance

Lake County

open

$50,000down payment assistance

agencydeferred loan📍 Lake

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Affordable Home Ownership Assistance Program (AHOAP)

City of Daytona Beach

open

$50,000down payment assistance

agencydeferred loan📍 Volusia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $258,690

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Riviera Beach Renaissance Program

City of Riviera Beach

open

$50,000down payment assistance

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Homebuyer Purchase Assistance Program

Coconut Creek Economic Development

open

$50,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $568,557

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Home Buyer Purchase Assistance

Coral Springs - Community Development

open

$50,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD, Manufactured
Max Price: $636,806

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

East Tampa CRA Down Payment Assistance Program

East Tampa CRA / R.E.A.C.H.

open

$50,000down payment assistance

agencydeferred loan📍 Hillsborough

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $300,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Down Payment Assistance

Martin County Housing Assistance

open

$50,000down payment assistance

agencydeferred loan📍 Martin

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $509,943

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Home Buyer Purchase Assistance Program

Plantation Economic Development

open

$50,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $636,806

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

NSP Home Purchase Program

Volusia County - Community Assistance

open

$46,000down payment assistance

agencydeferred loan📍 Volusia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayment begins in 120 months

Visit Program Website ↗

SHIP - Purchase Assistance

Alabama Housing Finance Authority

verify

$45,000down payment assistance

agencydeferred loan📍 Escambia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Purchase Assistance Escambia-30% AMI, Purchase Assistance Escambia-50% AMI, Purchase Assistance Escambia-80% AMI, Purchase Assistance Escambia-120% AMI, Purchase Assistance Escambia-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

Down Payment Assistance (DPA) Program

City of Orlando - Community Development

open

$45,000down payment assistance

agencydeferred loan📍 Orange

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $481,176

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP First Time Homebuyers Program

City of Pensacola Community Redevelopment Agency

open

$45,000down payment assistance

agencydeferred loan📍 Escambia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP First-Time Homebuyer Program

Escambia County - Neighborhood & Human Services

verify

$45,000down payment assistance

agencydeferred loan📍 Escambia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $481,176

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

City of North Miami First-Time Homebuyer Assistance (HOME/SHIP)

City of North Miami Housing and Community Development

verify

UP TO $40,000 (SHIP); gap financing based on ability to repaydown payment assistance

citydeferred loan📍 North Miami

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 140% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Townhouses, Condominiums (within City of North Miami)
Max Price: $370,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 140% AMI (SHIP); 80% AMI (HOME); liquid assets may not exceed $30,000

Check AMI limits for your county →

Repayment Terms

Zero percent interest deferred loan; due on sale or when home is no longer primary residence

Additional Requirements

First-come, first-processed basis while funding available; based on ability to repay private lender loan

Notes

Must not have owned a home in prior 3 years

Visit Program Website ↗

SHIP - Purchase Assistance

Gilchrist County

open

50 (max $40,000)down payment assistance

agencydeferred loan📍 Gilchrist

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Highlands County

open

$40,000down payment assistance

agencydeferred loan📍 Highlands

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Manufactured, Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance Okeechobee

Okeechobee County

open

$40,000down payment assistance

agencydeferred loan📍 Okeechobee

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - City of Sunrise, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Coconut Creek, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Cooper City, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Coral sprints, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Dania Beach , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Davie, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Hallandale Beach , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Hillsboro Beach , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Lauderdale Lakes , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Lauderdale by the sea , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Lazy Lake Village , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Lighthouse Point, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - North Lauderdale, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Oakland Park, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Parkland, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Pembroke Park , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Sea Ranch Lakes, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Southwest Ranches, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Sunrise, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - West Park , FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Weston, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Broward County Homebuyer Purchase Assistance Program - Wilton Manners, FL

Broward County Housing Finance Division

open

$40,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD, HUD +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

No repayment if the property is owner occupied and homesteaded for 15 years.

Visit Program Website ↗

Dare to Own the Dream (Dare)

City of Tampa - Florida Housing & Community Development

open

$40,000down payment assistance

agencydeferred loan📍 Hillsborough

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $350,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Purchase Assistance Program

City of Cocoa

open

$37,400down payment assistance

agencydeferred loan📍 Brevard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $172,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: No

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Purchase Assistance

Alachua County

open

$36,000down payment assistance

agencydeferred loan📍 Alachua

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $250,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Hometown Heroes

Florida Housing Finance Corporation (FHFC)

verify

5% of first mortgage (max (max UP TO 5% of first mortgage (max $35,000))down payment assistance

statedeferred loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 150% AMI
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county; FHA: $524,225-$967,150; Conv/VA: up to $806,500

Quick Facts

Loan Types: FHA, VA, USDA, Conventional
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

150% AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred second mortgage, due on sale or refinance

Additional Requirements

Must be employed in Florida

Notes

Any Florida worker, first-time buyer

Visit Program Website ↗

Miami-Dade County DPA

Miami-Dade County

verify

UP TO $35,000down payment assistance

countydeferred loan📍 Miami-Dade County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 140% AMI
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $636,806

Quick Facts

Loan Types: Fixed-rate mortgages only
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Up to 140% AMI for Miami-Dade County

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan with equity sharing provision

Visit Program Website ↗

SHIP - Purchase Assistance

Columbia County

open

50 (max $35,000)down payment assistance

agencydeferred loan📍 Columbia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance

Lafayette County

open

$35,000down payment assistance

agencydeferred loan📍 Lafayette

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Madison County

verify

$35,000down payment assistance

agencydeferred loan📍 Madison

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance Miami-Dade

Miami-Dade County

verify

$35,000down payment assistance

agencydeferred loan📍 Miami-Dade

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $679,324

Quick Facts

Loan Types: SHIP - Purchase Assistance Miami-Dade-30% AMI, SHIP - Purchase Assistance Miami-Dade-50% AMI, SHIP - Purchase Assistance Miami-Dade-80% AMI, SHIP - Purchase Assistance Miami-Dade-120% AMI, SHIP - Purchase Assistance Miami-Dade-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance/Down Payment Assistance

Clay County

open

$30,000down payment assistance

agencydeferred loan📍 Clay

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $602,915

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance

Dixie County

open

50 (max $30,000)down payment assistance

agencydeferred loan📍 Dixie

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Purchase Assistance Program

Hendry County

open

$30,000down payment assistance

agencydeferred loan📍 Hendry

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Purchase Assistance

Levy County

open

$30,000down payment assistance

agencydeferred loan📍 Levy

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Purchase Assistance

Bradford County

open

$30,000down payment assistance

agencydeferred loan📍 Bradford

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Manufactured, Single-Family, Townhouse/PUD, Condominium
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

Down Payment Assistance Program

City of Gainesville

open

$30,000down payment assistance

agencydeferred loan📍 Alachua

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $313,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Purchase Assistance Program

City of North Lauderdale Community Development Department

open

$30,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Homebuyer Incentive Program

City of Pensacola Community Redevelopment Agency

open

$30,000down payment assistance

agencydeferred loan📍 Escambia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Moderate Income Mortgage Assistance Program (MIMA)

Miramar - Economic Develop. & Housing Dept.

open

10 (max $30,000)down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Homeownership Assistance Program

Miami Dade Economic Advocacy Trust

verify

$28,500down payment assistance

agencydeferred loan📍 Miami-Dade

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Hillsborough County DPA

Hillsborough County

verify

UP TO $25,000down payment assistance

countydeferred loan📍 Hillsborough County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 1-2 person household up to $102,200; 3+ ...
Min Credit Score: 640+
Property Types: 1-4 unit properties (detached or attached), Condos, Townhomes
Max Price: $450,000

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

1-2 person household up to $102,200; 3+ person household up to $119,945

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred loan, NOT forgivable - full repayment required

Visit Program Website ↗

City of Jacksonville DPA

City of Jacksonville

verify

UP TO $25,000down payment assistance

citydeferred loan📍 Jacksonville

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: 80% AMI
Min Credit Score: Not specified
Property Types: Single-family homes, Patio homes, Townhomes, Condominiums (no mobile or manufact...
Max Price: $304,000

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Household income at or below 80% AMI for Duval County

Check AMI limits for your county →

Interest Rate

Repayment Terms

Deferred loan

Additional Requirements

PROGRAM STATUS: NOT TAKING APPLICATIONS as of 1/15/2026

Visit Program Website ↗

SHIP - Purchase Assistance Program

Citrus County

verify

$25,000down payment assistance

agencydeferred loan📍 Citrus

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Purchase Assistance Program-30% AMI, Purchase Assistance Program-50% AMI, Purchase Assistance Program-80% AMI, Purchase Assistance Program-120% AMI, Purchase Assistance Program-140% AMI, Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Purchase Assistance

Hardee County

open

$25,000down payment assistance

agencydeferred loan📍 Hardee

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Down Payment Assistance Home Ownership Pilot Program

City of Jacksonville’s Neighborhoods Department

open

75 (max $25,000)down payment assistance

agencydeferred loan📍 Duval

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $335,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Purchase Assistance

Calhoun County

open

$25,000down payment assistance

agencydeferred loan📍 Calhoun

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $510,939

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

City of Miami Gardens Purchase Assistance Program

City of Miami Gardens Community Development

verify

$20,000down payment assistance

citydeferred loan📍 Miami Gardens

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Visit Program Website ↗

SHIP - Purchase Assistance New Construction and Existing Purchase Assistance

Glades County

open

$20,000down payment assistance

agencydeferred loan📍 Glades

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

0% if compliant, 4% if default

Repayment Terms

Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

SHIP - Purchase Assistance

Hamilton County

open

$20,000down payment assistance

agencydeferred loan📍 Hamilton

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Not specified
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sales or finance

Visit Program Website ↗

SHIP - Purchase Assistance

Holmes County

open

$20,000down payment assistance

agencydeferred loan📍 Holmes

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Forgivable or Forgiven or Fully Forgiven

Visit Program Website ↗

First Time Homebuyer Down Payment Assistance

City of Miami

verify

$20,000down payment assistance

agencydeferred loan📍 Clay

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: $322,925

Quick Facts

Loan Types: - -
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Visit Program Website ↗

First Time Homebuyer Down Payment Assistance

Clay County

open

$20,000down payment assistance

agencydeferred loan📍 Clay

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium, 2 units, 3 units, 4 units
Max Price: $322,925

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Down Payment Assistance

Lake Wales Community Redevelopment Agency

open

$20,000down payment assistance

agencydeferred loan📍 Polk

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

First -Time Home Buyers Assistance Program

Marathon - Planning Department

open

$20,000down payment assistance

agencydeferred loan📍 Monroe

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: No

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Brevard County Housing Finance Authority DPA

Brevard County Housing Finance Authority

open

UP TO $15,000down payment assistance

countydeferred loan📍 Brevard County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Maximum $149,850 (150% of median income ...
Min Credit Score: 640+
Property Types: Single-family homes (attached or detached), Condominiums, Townhomes, PUDs
Max Price: $444,233

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Maximum $149,850 (150% of median income of $99,900)

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest 30-year deferred second mortgage; due on sale, refinance, or change of primary residence

Additional Requirements

First-come, first-served; also includes Mortgage Credit Certificate benefit

Notes

Must not have owned a home in prior 3 years; waived for qualified military veterans

Visit Program Website ↗

Manatee County HFA Key to Homeownership Program

Housing Finance Authority of Manatee County

open

$15,000down payment assistance

citydeferred loan📍 Manatee County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Up to $149,150 (FHA/VA/USDA); varies for...
Min Credit Score: 660+
Property Types: Single-family homes (attached or detached), Condominiums, Townhomes, PUDs
Max Price: $468,292

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Up to $149,150 (FHA/VA/USDA); varies for Freddie Mac HFA Advantage based on AMI

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest deferred second mortgage; due on sale, refinance, or when home is no longer primary residence

Additional Requirements

Includes MCC benefit for additional annual tax credit of up to $2,000+; continuously funded

Notes

Must not have owned a home in prior 3 years; waived for qualified military veterans

Visit Program Website ↗

Charlotte County SHIP Purchase Assistance Program

Charlotte County Human Services / Neighborhood Services Division

open

10% of the purchase price (maximum (max UP TO 10% of the purchase price (maximum $15,000))down payment assistance

countydeferred loan📍 Charlotte County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per FHFC/SHIP 2025 income limits for Cha...
Min Credit Score: Not specified
Property Types: Single-family homes, Condominiums (mobile and manufactured homes ineligible)
Max Price: $15,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: law enforcement
Homebuyer Ed.: Yes

Income Limits

Per FHFC/SHIP 2025 income limits for Charlotte County; housing expense must not exceed 30% of gross monthly income

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest zero-interest loan; due only if home is sold, becomes rental housing, or is no longer primary residence

Additional Requirements

Program currently open; Lenders' Consortium of trained loan officers required to submit applications

Notes

Must not have owned a home in prior 3 years; must currently live or work in Charlotte County for at least 6 months before applying

Visit Program Website ↗

HFA Miami-Dade First Mortgage and DPA Program

Housing Finance Authority of Miami-Dade (HFA Miami)

verify

UP TO $15,000down payment assistance

countydeferred loan📍 Miami-Dade County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: 80% AMI
Min Credit Score: 640+
Property Types: Single-family, Townhouse, Condominium, Duplex, up to four-plex
Max Price: $654,350,

Quick Facts

Loan Types: FHA, VA, Conventional
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

1-2 person household max $130,525; 3+ person household max $136,200 (higher for FHA/VA/Freddie Mac over 80% AMI: $142,485 / $148,680)

Check AMI limits for your county →

Repayment Terms

Deferred 0% second mortgage; must be repaid (never forgiven); due on sale, refinance, or change of primary residence

Additional Requirements

Never forgiven - must be repaid; paired with 30-year fixed-rate first mortgage from participating HFA-approved lender; available in English and Spanish

Notes

Must not have owned a home in prior 3 years; must be Miami-Dade County resident at time of application

Visit Program Website ↗

SHIP - Down Payment/Closing Costs Assistance

Franklin County

open

$15,000down payment assistance

agencydeferred loan📍 Franklin

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +4
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

First Time Homebuyer Program (FTHB) - Workforce Housing

Hallandale Beach Community Redevelopment Agency

open

$15,000down payment assistance

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

Home Sweet Home Hillsborough Program

Housing Finance Authority of Hillsborough County

open

$15,000down payment assistance

agencydeferred loan📍 Hillsborough

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: $430,000

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

HFA Mortgage - First Time Homebuyer Program

Housing Finance Authority of Miami-Dade County

verify

$15,000down payment assistance

agencydeferred loan📍 Miami-Dade

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, 3 units, 4 units, Condominium, Townhouse/PUD
Max Price: $806,500

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHI PRO/ DPAL

Solita's House Inc

open

3.5000000000000004 (max $15,000)down payment assistance

agencydeferred loan📍 Hillsborough

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $325,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: No

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

HOME Homebuyers Program

City of Pensacola Community Redevelopment Agency

open

$12,500down payment assistance

agencydeferred loan📍 Escambia

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP - Purchase Assistance

Gadsden County

open

$12,000down payment assistance

agencydeferred loan📍 Gadsden

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Home Key Plus 2nd Mortgage

Housing Finance Authority of Pinellas County

open

$12,000down payment assistance

agencydeferred loan📍 Pasco, Pinellas, Polk

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $588,104

Quick Facts

Loan Types: Freddie Mac, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance, payoff 1st, non-occupancy

Visit Program Website ↗

FHFC DPA

Florida Housing Finance Corporation (FHFC)

verify

UP TO $10,000down payment assistance

statedeferred loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Varies by county per FHFC income limits
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county per FHFC purchase price limits

Quick Facts

Loan Types: FHA, VA, USDA, Conventional
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by county per FHFC income limits

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% deferred second mortgage, due on sale or refinance

Visit Program Website ↗

FL Assist Second Mortgage

Florida Housing Finance Corporation (FHFC)

verify

UP TO $7,500 (most counties); UP TO $10,000 in Palm Beach Countydown payment assistance

statedeferred loan📍 Statewide

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Varies by county per FHFC guidelines
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county per FHFC purchase price limits

Quick Facts

Loan Types: FHA, VA, USDA
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Varies by county per FHFC guidelines

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest, no monthly payments, deferred second mortgage due on sale, refinance, transfer of deed, or home no longer primary residence

Additional Requirements

Cannot be combined with Hometown Heroes program; choose one or the other

Notes

Must not have owned a home in the prior 3 years

Visit Program Website ↗

Lee County FirstPlus Second DPA Program

Housing Finance Authority of Lee County

verify

UP TO $10,000down payment assistance

countydeferred loan📍 Lee County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per FHFA/HFA guidelines; see hfaleeco.or...
Min Credit Score: 640+
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Per FHFA/HFA guidelines; see hfaleeco.org for current limits

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% interest, 30-year deferred second mortgage; due on sale, refinancing, transfer of title, or rental of home within first 30 years

Additional Requirements

First-come, first-served; continuously funded

Notes

Must not have owned a home in prior 3 years; applies to all borrowers and spouses

Visit Program Website ↗

SHIP - Down Payment Assistance

Leon County

verify

$10,000down payment assistance

agencydeferred loan📍 Leon

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Florida Assist (FL Assist) for Bond

Florida Housing Finance Corporation

open

$10,000down payment assistance

agencydeferred loan📍 Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Ch...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium, Modular, 2 units, 3 units, 4 units
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Classic DPA Program

Alabama Housing Finance Authority

verify

$10,000down payment assistance

agencydeferred loan📍 Alachua, Bay, Bradford, Escambia, Franklin, Gadsden, Gulf, H...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $624,481

Quick Facts

Loan Types: FHA, VA, USDA-RD, Freddie Mac
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Florida Assist (FL Assist) for Non-Bond (TBA)

Florida Housing Finance Corporation

open

$10,000down payment assistance

agencydeferred loan📍 Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Ch...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium, Modular, 2 units, 3 units, 4 units
Max Price: $806,500

Quick Facts

Loan Types: FHA, VA, USDA-RD, Freddie Mac +1, Freddie Mac +2
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

First-Time Homebuyer Down Payment Assistance Program

Islamorada, Village of Islands

open

$10,000down payment assistance

agencydeferred loan📍 Monroe

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

First Plus Program

Lee County Housing Finance Authority

open

$10,000down payment assistance

agencydeferred loan📍 Broward, Charlotte, Collier, DeSoto, Glades, Hendry, Lee, Pa...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Central Florida Homebuyers Dream Program

Orange County Housing Finance Authority

open

$10,000down payment assistance

agencydeferred loan📍 Lake, Orange, Osceola, Seminole

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Condominium, Townhouse/PUD
Max Price: $624,481

Quick Facts

Loan Types: FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

6.250%

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Central Florida Housing Opportunity Program

Orange County Housing Finance Authority

open

$7,500down payment assistance

agencydeferred loan📍 Lake, Orange, Osceola, Seminole

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $624,481

Quick Facts

Loan Types: Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

St. Johns County SHIP Down Payment Assistance Program

St. Johns County Housing and Community Development

verify

Case-by-case basis; awarded as-needed based on individual home purchasedown payment assistance

countydeferred loan📍 St. Johns County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Per FHFC SHIP & HHRP 2025 Combined Incom...
Min Credit Score: Not specified
Property Types: Single-family homes, Condominiums, Duplexes, Townhomes, Mobile/Manufactured home...
Max Price: $400,000

Quick Facts

Loan Types: Fixed-rate first mortgage only (no ARMs, no balloon loans)
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Yes

Income Limits

Per FHFC SHIP & HHRP 2025 Combined Income Limits (effective April 1, 2025)

Check AMI limits for your county →

Interest Rate

Repayment Terms

0% non-amortizing 30-year deferred second mortgage; due in full on sale, refinancing, transfer of deed, or home no longer primary residence

Additional Requirements

Contact HUD Housing Counseling Team first, then take homebuyer class through St. Johns County; Local Housing Assistance Plan covers FY 2023-2028

Notes

Must not have owned a home in prior 3 years

Visit Program Website ↗

Alachua County SHIP Down Payment Assistance Program

Alachua County Housing and Strategic Development Division

verify

Varies; interest-free deferred second mortgage for down payment and closing costsdown payment assistance

countydeferred loan📍 Alachua County

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Income-eligible households; per FHFC SHI...
Min Credit Score: Not specified
Property Types: Single-family homes, Mobile/Manufactured homes (constructed 2010 or later)
Max Price: Not specified

Quick Facts

Loan Types: Not specified
Assistance Type: deferred loan
Profession: all
Homebuyer Ed.: Not specified

Income Limits

Income-eligible households; per FHFC SHIP income limits for Alachua County

Check AMI limits for your county →

Interest Rate

Repayment Terms

Interest-free deferred second mortgage; forgivable as long as applicant continues to own and occupy as primary residence for loan term

Additional Requirements

Online application via Neighborly platform; funded through SHIP, CDBG, HOME, and Alachua Housing Trust Fund

Notes

Income-eligible, qualified first-time homebuyers

Visit Program Website ↗

SHIP - Purchase Assistance

Jefferson County

open

Amount not specified

agencydeferred loan📍 Jefferson

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium
Max Price: $544,233

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Interest Rate

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

FL PLUS (HFA Advantage Only) for Non-Bond (TBA)

Florida Housing Finance Corporation

open

5down payment assistance

agencydeferred loan📍 Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Ch...

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Townhouse/PUD, Condominium, Modular, 2 units, 3 units
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Forgivable - Fully forgiven at closing or forgiven on a schedule

Visit Program Website ↗

State Housing Initiative Partnership (SHIP)

City of Boynton Beach - Community Improvement Division

open

Amount not specified

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Condominium, Townhouse/PUD
Max Price: $568,557

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Purchase Assistance Program

City of Melbourne Community Development & Housing

open

Amount not specified

agencydeferred loan📍 Brevard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Home Purchase Assistance

City of Palm Bay

open

Amount not specified

agencydeferred loan📍 Brevard

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Purchase Assistance Program

City of Sunrise

open

Amount not specified

agencydeferred loan📍 Broward

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Homeownership Program

Habitat for Humanity of Lake-Sumter

open

Amount not specified

agencydeferred loan📍 Lake, Sumter

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Not specified
Max Price: Not specified

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Not specified

Repayment Terms

Deferred Payment - Repayment at sale or refinance

Visit Program Website ↗

Home Down Payment Assistance Program

Lee County

verify

10down payment assistance

agencydeferred loan📍 Lee

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $309,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

None

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

SHIP First Mortgage Assistance

Palm Beach County - Housing & Economic Development

open

Amount not specified

agencydeferred loan📍 Palm Beach

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: Yes
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, Condominium, Townhouse/PUD
Max Price: $450,000

Quick Facts

Loan Types: Freddie Mac, Fannie Mae, FHA, VA, USDA-RD +1
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

4% Fixed Interest Rate

Repayment Terms

Deferred Payment - Repayable at sale or refinance

Visit Program Website ↗

Chenoa Fund FHA Down Payment Assistance Forgivable

CBC Mortgage Agency (Chenoa Fund)

verify

5down payment assistance

agencydeferred loan📍 US

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
Max Price: $766,550

Quick Facts

Loan Types: FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Repayment Terms

Visit Program Website ↗

Chenoa Fund FHA Down Payment Assistance Repayable

CBC Mortgage Agency (Chenoa Fund)

verify

5down payment assistance

agencydeferred loan📍 US

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Not specified
Min Credit Score: Not specified
Property Types: Single-Family, 2 units, Leasehold, Condominium, Townhouse/PUD, Manufactured
Max Price: $766,550

Quick Facts

Loan Types: FHA
Assistance Type: deferred loan
Profession: All
Homebuyer Ed.: Yes

Interest Rate

Note rate 1% above the first mortgage note rate

Repayment Terms

This loan does require a monthly payment on the second mortgage.

Visit Program Website ↗

Second Mortgages (1)

These programs provide DPA as a second mortgage, sometimes with monthly payments, sometimes deferred.

Salute Our Soldiers Military Loan Program

Florida Housing Finance Corporation

verify

UP TO 5% of first mortgage (max $35,000, min $10,000)down payment assistance

statesecond mortgage📍 Florida

See eligibility details ↓

Eligibility Snapshot

First-Time Buyer: No
Income Limit: Per Florida Housing income limits by cou...
Min Credit Score: 640+
Property Types: Single-family, Townhomes, Condos (approved projects), 2-4 unit (owner-occupied),...
Max Price: Varies by county per FHFC purchase price limits

Quick Facts

Loan Types: FHA, VA, USDA, Conventional
Assistance Type: second mortgage
Profession: veterans
Homebuyer Ed.: Yes

Income Limits

Per Florida Housing income limits by county and household size

Check AMI limits for your county →

Interest Rate

Repayment Terms

DPA second mortgage is deferred; repaid upon sale, refinance, or end of occupancy

Additional Requirements

Must be active duty military, veteran, National Guard or Reserve member, or Gold Star Family member. Must use a Florida Housing participating lender. Must meet Florida Housing purchase price and income limits

Notes

Not required to be first-time buyer; program is military/veteran specific. Occupancy requirement: Primary residence in Florida

Visit Program Website ↗

How to Apply for Down Payment Assistance in Florida

1

Check Your Eligibility

Use our free eligibility tool to see which programs match your situation. Enter your state, city, income, and target home price.
2

Contact the Program Administrator

Each program has its own application process. Visit the program website or call the administering agency to get started. Many programs work through approved lenders.
3

Get Pre-Approved with a Participating Lender

Not every lender participates in every DPA program. Work with a lender who is approved for the programs you want. The program administrator can provide a list of approved lenders.
4

Complete Homebuyer Education (If Required)

Many programs require a HUD-approved homebuyer education course. Online options through eHome America and Framework are accepted by most programs.
5

Close & Move In

DPA funds are typically disbursed at closing alongside your first mortgage. Your lender coordinates the DPA program paperwork as part of the loan process.

Frequently Asked Questions

How much down payment assistance can I get in Florida?

Most Florida buyers combine the statewide Hometown Heroes or FL HLP second mortgage (up to $35,000 or 5% of the loan) with a local city or county SHIP program. Combined assistance commonly lands between $20,000 and $75,000, though large-metro programs in Miami, Miami Beach, and Fort Lauderdale can push total assistance well above $100,000 for income-qualified buyers.

What is the difference between Hometown Heroes and the Florida Homeownership Loan Program?

Hometown Heroes is a Florida Housing second mortgage designed for full-time Florida workers in essentially any profession; it provides up to 5 percent of the first mortgage (max $35,000) with a 0 percent deferred second. FL HLP is a broader Florida Housing second mortgage for any eligible buyer, also up to 5 percent. Most buyers qualify for one or the other, not both, and your loan officer will price both to see which works better with your first mortgage.

Do I need to be a first-time homebuyer to use Florida DPA?

Many Florida programs require first-time buyer status, defined as not having owned a home in the past three years. However, targeted area programs and some city SHIP programs waive this requirement, and Hometown Heroes does not require first-time buyer status for qualifying Florida workers. Always verify with the program administrator.

What are the income limits for Florida DPA programs?

Limits vary by county because they are indexed to area median income (AMI) published by HUD. Statewide programs often cap eligibility at 150 percent of AMI for Hometown Heroes and 80 to 140 percent of AMI for SHIP-funded local programs. In Miami-Dade, 100 percent AMI for a family of four is approximately $90,900; in Orlando, it is closer to $96,400. Your lender can confirm the limits that apply to your specific county and household size.

Can I use Florida down payment assistance to buy a condo?

Yes, most Florida DPA programs allow condos provided the project is FHA, VA, or Fannie Mae approved (depending on your first mortgage type) and meets program occupancy and insurance requirements. Condo approvals are the most common delay in DPA-backed closings, so verify the building's status before making an offer.

How does SHIP purchase assistance work?

SHIP (State Housing Initiatives Partnership) funds are distributed by Florida Housing to every county and the 50 largest cities. Each jurisdiction writes its own guidelines, so SHIP purchase assistance in Miami-Dade looks different from SHIP in Duval or Pinellas. SHIP is typically structured as a deferred 0 percent loan that is forgiven after a set occupancy period or repaid on sale or refinance.

Can I combine multiple Florida down payment assistance programs?

Yes. A typical stack is a statewide Florida Housing second mortgage (Hometown Heroes, FL HLP, or FL Assist) layered with a local SHIP program. Some programs restrict stacking, so always disclose every source of funds to your lender and confirm layering rules with each administrator.

What credit score do I need for Florida DPA?

Florida Housing programs generally require a 640 middle credit score, though some lenders require 660 or higher for specific first mortgage products. Local SHIP programs are sometimes more flexible. A credit score in the low 700s unlocks the widest selection of programs and lender partners.

DPA Programs in Nearby States

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All Florida Down Payment Assistance Programs

Program	Type	Amount	Region	Provider
FHFC DPA	deferred_loan	Up to $10,000	Statewide	Florida Housing Finance Corporation (FHFC)
Hometown Heroes	deferred_loan	Up to 5% of first mortgage (max $35,000)	Statewide	Florida Housing Finance Corporation (FHFC)
Orange County DPA	forgivable_loan	$10,000 to $70,000 (varies by income tier)	Orange County	Orange County
Pasco County DPA	deferred_loan	Up to $65,000	Pasco County	Pasco County
Osceola County DPA	deferred_loan	Up to $100,000	Osceola County	Osceola County
Broward County DPA	forgivable_loan	$40,000 to $80,000	Broward County	Broward County
Miami-Dade County DPA	deferred_loan	Up to $35,000	Miami-Dade County	Miami-Dade County
Hillsborough County DPA	deferred_loan	Up to $25,000	Hillsborough County	Hillsborough County
Palm Beach County DPA	forgivable_loan	Up to $100,000	Palm Beach County	Palm Beach County
City of Tampa Dare to Own	forgivable_loan	Up to $50,000	Tampa	City of Tampa
City of Orlando DPA	forgivable_loan	Up to $45,000	Orlando	City of Orlando
City of St. Petersburg Purchase Assistance	forgivable_loan	Up to $60,000	St. Petersburg	City of St. Petersburg
City of Jacksonville DPA	deferred_loan	Up to $25,000	Jacksonville	City of Jacksonville
FL Assist Second Mortgage	deferred_loan	Up to $7,500 (most counties); up to $10,000 in Palm Beach County	Statewide	Florida Housing Finance Corporation (FHFC)
HFA Preferred / HFA Advantage Grant	forgivable_loan	3%, 4%, or 5% of first mortgage loan amount	Statewide	Florida Housing Finance Corporation (FHFC)
Florida Homeownership Loan Program (FL HLP)	deferred_loan	Up to 5% of the loan amount (e.g., $15,000 on a $300,000 purchase)	Statewide	Florida Housing Finance Corporation (FHFC)
Palm Beach County SHIP Purchase Assistance Program	forgivable_loan	Up to $100,000	Palm Beach County	Palm Beach County Housing and Economic Development
City of Tampa Dare to Own the Dream	forgivable_loan	Up to $50,000	Tampa	City of Tampa Housing and Community Development
Pinellas County Down Payment Assistance Program	deferred_loan	Minimum $25,000; up to $75,000	Pinellas County	Pinellas County Community Development
Pinellas County CDBG-DR Homebuyer Assistance Program (HBA)	forgivable_loan	Up to 100% of lender-required down payment and reasonable closing costs	Pinellas County	Pinellas County (CDBG-DR Hurricane Recovery Program)
Lee County FirstPlus Second DPA Program	deferred_loan	Up to $10,000	Lee County	Housing Finance Authority of Lee County
Brevard County SHIP Purchase Assistance Program	deferred_loan	Up to $75,000	Brevard County	Brevard County Housing and Human Services / Community Housing Initiative (CHI)
Brevard County Housing Finance Authority DPA	deferred_loan	Up to $15,000	Brevard County	Brevard County Housing Finance Authority
City of North Miami First-Time Homebuyer Assistance (HOME/SHIP)	deferred_loan	Up to $40,000 (SHIP); gap financing based on ability to repay	North Miami	City of North Miami Housing and Community Development
City of Palm Bay HOME Down Payment Assistance Program	forgivable_loan	Up to $17,881.50 (very low income); up to $17,400 (income-eligible first-time buyers)	Palm Bay	City of Palm Bay Community Development / Community Housing Initiative (CHI)
Hallandale Beach CRA First-Time Homebuyer DPA Program	forgivable_loan	Up to $100,000 (affordable housing buyers 50-120% AMI); up to $10,000 (workforce housing 120-140% AMI); additional $5,000 for first responders, teachers, nurses	Hallandale Beach	City of Hallandale Beach Community Redevelopment Agency (HBCRA)
City of Panama City First-Time Homebuyers Program	grant	Up to $50,000 down payment assistance plus up to $10,000 for eligible closing costs	Panama City	City of Panama City Housing and Community Services
Bay County SHIP Purchase Assistance Program	forgivable_loan	Up to $50,000 (referenced also as up to $75,000)	Bay County	Bay County Housing Division
Collier County SHIP Down Payment Assistance Program	deferred_loan	Very Low Income: $50,000; Low Income: $30,000; Moderate Income: $20,000 (additional $5,000 for Essential Services Personnel)	Collier County	Collier County Community and Human Services Division
Manatee County SHIP/CDBG Down Payment Assistance Program	deferred_loan	Varies by program; SHIP: up to 120% AMI (max purchase $400,000); CDBG: up to 80% AMI	Manatee County	Manatee County Community Development Division
Manatee County HFA Key to Homeownership Program	deferred_loan	$15,000	Manatee County	Housing Finance Authority of Manatee County
City of Deltona SHIP Down Payment Assistance Program	deferred_loan	Up to $60,000 (Very Low 50% AMI); up to $55,000 (Low 80% AMI); up to $50,000 (Moderate 120% AMI); plus up to $15,000 for rehabilitation	Deltona	City of Deltona Housing and Community Development
St. Johns County SHIP Down Payment Assistance Program	deferred_loan	Case-by-case basis; awarded as-needed based on individual home purchase	St. Johns County	St. Johns County Housing and Community Development
Sarasota County SHIP Down Payment Assistance (HERO Program)	forgivable_loan	Contact	Sarasota County	Sarasota County Housing Enhancement and Redevelopment Office (HERO)
Volusia County Homebuyer Assistance Program (HBA)	deferred_loan	Up to $75,000	Volusia County	Volusia County Community Assistance Division / Affordable Housing Partners (AHP)
Charlotte County SHIP Purchase Assistance Program	deferred_loan	Up to 10% of the purchase price (maximum $15,000)	Charlotte County	Charlotte County Human Services / Neighborhood Services Division
Alachua County SHIP Down Payment Assistance Program	deferred_loan	Varies; interest-free deferred second mortgage for down payment and closing costs	Alachua County	Alachua County Housing and Strategic Development Division
HFA Miami-Dade First Mortgage and DPA Program	deferred_loan	Up to $15,000	Miami-Dade County	Housing Finance Authority of Miami-Dade (HFA Miami)
Miami-Dade MDEAT Homeownership Assistance Program (HAP)	deferred_loan	Up to $28,000 (HAP); can be combined with up to $120,000 from other Miami-Dade programs	Miami-Dade County	Miami-Dade Economic Advocacy Trust (MDEAT) Housing Division
Miami-Dade Affordable Homeownership / Homebuyer Loan Program (HLP)	deferred_loan	Up to $100,000 at 1% interest (vulnerability-ranked areas) or up to $80,000 at 2% interest	Miami-Dade County	Miami-Dade County Public Housing and Community Development
City of Miami District 5 Expanded First-Time Homebuyer Program	deferred_loan	Up to $200,000 (based on household income and need)	Miami	City of Miami Housing and Community Development
City of Fort Lauderdale First-Time Homebuyers Program	deferred_loan	Up to $75,000	Fort Lauderdale	City of Fort Lauderdale Community Services / Housing and Community Development
Hernando County SHIP Purchase Assistance Program	forgivable_loan	Up to $50,000	Hernando County	Hernando County Housing Authority / Community Development Division
Martin County SHIP Purchase Assistance Program	forgivable_loan	Up to $103,500 (very low/low income); up to $83,500 (moderate income)	Martin County	Martin County Community Development Division
Palm Beach County Homebuyer Match Pilot Program	forgivable_loan	Up to $50,000 (dollar-for-dollar match of buyer contribution)	Palm Beach County	Palm Beach County Housing and Economic Development
Flagler County SHIP Purchase Assistance Program	forgivable_loan	$49,950 (very low income, up to 50% AMI); $39,950 (low income, 50-80% AMI); $29,950 (moderate income, 80-120% AMI)	Flagler County	Flagler County Housing Services
Lake County SHIP Homeownership Assistance Program	forgivable_loan	$50,000 (very low income); $40,000 (low income); $30,000 (moderate income)	Lake County	Lake County Community Services Division
Miami Beach First-Time Homebuyer Program	forgivable_loan	$40,000 to $150,000 (based on household income and purchase price)	Miami Beach	City of Miami Beach Office of Housing and Community Services
City of Miami Gardens Purchase Assistance Program	deferred_loan	$20,000	Miami Gardens	City of Miami Gardens Community Development
Coral Springs Purchase Assistance Program (FTHB)	deferred_loan	Up to $80,000	Coral Springs	City of Coral Springs Housing and Community Development
Pompano Beach First-Time Homebuyer Purchase Assistance Program	forgivable_loan	Contact	Pompano Beach	City of Pompano Beach Housing Division
Gulf County SHIP Purchase Assistance Program	forgivable_loan	Up to $50,000	Gulf County	Gulf County ARPC (Apalachee Regional Planning Council)
Jackson County SHIP Purchase Assistance Program	forgivable_loan	Contact	Jackson County	Jackson County ARPC (Apalachee Regional Planning Council)
Nassau County SHIP Purchase Assistance Program	deferred_loan	Up to $120,000 (varies by income category)	Nassau County	Nassau County Community Development
Seminole County Purchase Assistance Program	deferred_loan	Up to $145,000 (based on income level and need)	Seminole County	Seminole County Community Services / Community Development
Salute Our Soldiers Military Loan Program	second_mortgage	Up to 5% of first mortgage (max $35,000, min $10,000)	Florida	Florida Housing Finance Corporation
Cape Coral Down Payment Assistance Program	forgivable_loan	Up to $75,000	Florida	City of Cape Coral Community Development - Housing and Grants Division
City of Hialeah SHIP Down Payment Assistance	deferred_loan	Up to $150,000	Florida	City of Hialeah Grants and Human Services Department
City of Lakeland Community and Economic Development - Housing Division Down Payment Assistance	forgivable_loan	Up to $40,000	Florida	City of Lakeland Community and Economic Development - Housing Division
City of Daytona Beach Redevelopment and Neighborhood Services Department Down Payment Assistance	deferred_loan	Up to $50,000	Florida	City of Daytona Beach Redevelopment and Neighborhood Services Department
SHIP - Purchase Assistance Program	deferred_loan	$25,000	Citrus	Citrus County
SHIP - Purchase Assistance/Down Payment Assistance	deferred_loan	$30,000	Clay	Clay County
SHIP - Purchase Assistance	deferred_loan	$110,000	Collier	Collier County/Naples
SHIP - Purchase Assistance	deferred_loan	$35,000	Columbia	Columbia County
SHIP - Purchase Assistance	deferred_loan	$70,000	Desoto	DeSoto County
SHIP - Purchase Assistance	deferred_loan	$30,000	Dixie	Dixie County
SHIP - Purchase Assistance	deferred_loan	$50,000	Duval	Duval County
SHIP - Purchase Assistance	deferred_loan	$45,000	Escambia	Alabama Housing Finance Authority
SHIP - Nonprofit-Built Homes - Homebuyer Assistance	deferred_loan	$90,000	Flagler	Flagler County
SHIP - Down Payment/Closing Costs Assistance	deferred_loan	$15,000	Franklin	Franklin County
SHIP - Purchase Assistance	deferred_loan	$12,000	Gadsden	Gadsden County
SHIP - Purchase Assistance	deferred_loan	$40,000	Gilchrist	Gilchrist County
SHIP - Purchase Assistance New Construction and Existing Purchase Assistance	deferred_loan	$20,000	Glades	Glades County
SHIP - Purchase Assistance	deferred_loan	$20,000	Hamilton	Hamilton County
SHIP - Purchase Assistance	deferred_loan	$25,000	Hardee	Hardee County
SHIP - Purchase Assistance Program	deferred_loan	$30,000	Hendry	Hendry County
SHIP - Down Payment Assistance	deferred_loan	$50,000	Hernando	Hernando County
SHIP - Purchase Assistance	deferred_loan	$40,000	Highlands	Highlands County
SHIP - Purchase Assistance (HFA) Purchase Assistance	deferred_loan	$100,000	Hillsborough	Hillsborough County
SHIP - Purchase Assistance	deferred_loan	$20,000	Holmes	Holmes County
SHIP - Purchase Assistance	deferred_loan	$85,000	Indian River	Indian River County
SHIP - Purchase Assistance	deferred_loan	Contact	Jefferson	Jefferson County
SHIP - Purchase Assistance	deferred_loan	$35,000	Lafayette	Lafayette County
SHIP - Purchase Assistance	deferred_loan	$50,000	Lake	Lake County
SHIP - Purchase Assistance	deferred_loan	$100,000	Lee, Lake	Confirm My Choices
SHIP - Down Payment Assistance	deferred_loan	$10,000	Leon	Leon County
SHIP - Purchase Assistance	deferred_loan	$30,000	Levy	Levy County
SHIP - Purchase Assistance	deferred_loan	$35,000	Madison	Madison County
SHIP - Purchase Assistance Manatee	deferred_loan	$70,000	Manatee	Manatee County
SHIP - Purchase Assistance Marion	deferred_loan	$100,000	Marion	Marion County
SHIP - Purchase Assistance Martin	deferred_loan	$103,500	Martin	Martin County Housing Assistance
SHIP - Purchase Assistance Miami-Dade	deferred_loan	$35,000	Miami-Dade	Miami-Dade County
SHIP - Homebuyer Assistance	deferred_loan	$65,000	Monroe	Monroe County
SHIP - Purchase Assistance Nassau	deferred_loan	$120,000	Nassau	Nassau County
SHIP - Purchase Assistance: Community Land Trust	deferred_loan	$65,000	Okaloosa	Okaloosa County/Fort Walton Bch
SHIP - Purchase Assistance: First-Time Homebuyer Program	deferred_loan	$65,000	Okaloosa	Okaloosa County/Fort Walton Bch
SHIP - Purchase Assistance Okeechobee	deferred_loan	$40,000	Okeechobee	Okeechobee County
FL PLUS (HFA Advantage Only) for Non-Bond (TBA)	deferred_loan	Contact	Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier	Florida Housing Finance Corporation
Florida Assist (FL Assist) for Bond	deferred_loan	$10,000	Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier	Florida Housing Finance Corporation
Down Payment Assistance Home Ownership Pilot Program	deferred_loan	$25,000	Duval	City of Jacksonville’s Neighborhoods Department
Purchase Assistance	deferred_loan	$36,000	Alachua	Alachua County
Purchase Assistance	deferred_loan	$30,000	Bradford	Bradford County
Homeownership-Purchase Assistance	deferred_loan	$75,000	Brevard	Brevard County
Broward County Homebuyer Purchase Assistance Program - City of Sunrise, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Coconut Creek, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Cooper City, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Coral sprints, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Dania Beach , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Davie, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Hallandale Beach , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Hillsboro Beach , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Lauderdale Lakes , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Lauderdale by the sea , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Lazy Lake Village , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Lighthouse Point, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - North Lauderdale, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Oakland Park, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Parkland, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Pembroke Park , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Sea Ranch Lakes, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Southwest Ranches, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Sunrise, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - West Park , FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Weston, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Broward County Homebuyer Purchase Assistance Program - Wilton Manners, FL	deferred_loan	$40,000	Broward	Broward County Housing Finance Division
Home Buyer Purchase Assistance	deferred_loan	$80,000	Broward	Broward County Housing Finance Division
Purchase Assistance	deferred_loan	$25,000	Calhoun	Calhoun County
SHIP Purchase Assistance Program	deferred_loan	$175,000	Palm Beach	City of Boca Raton
State Housing Initiative Partnership (SHIP)	deferred_loan	Contact	Palm Beach	City of Boynton Beach - Community Improvement Division
Purchase Assistance	deferred_loan	$75,000	Pinellas	City of Clearwater
Purchase Assistance Program	deferred_loan	$37,400	Brevard	City of Cocoa
Affordable Home Ownership Assistance Program (AHOAP)	deferred_loan	$50,000	Volusia	City of Daytona Beach
Purchase Assistance Program	deferred_loan	$70,000	Broward	City of Deerfield Beach
Purchase Assistance Program	deferred_loan	$75,000	Broward	City of Fort Lauderdale
Down Payment Assistance Program	deferred_loan	$30,000	Alachua	City of Gainesville
Downpayment and Purchase Assistance	deferred_loan	$75,000	Pinellas	City of Largo - Housing
Purchase Assistance Program	deferred_loan	$75,000	Broward	City of Lauderhill - City Manager/Administration
Purchase Assistance Program	deferred_loan	Contact	Brevard	City of Melbourne Community Development & Housing
First Time Homebuyer Down Payment Assistance	deferred_loan	$20,000	Clay	City of Miami
Purchase Assistance Program	deferred_loan	$30,000	Broward	City of North Lauderdale Community Development Department
Down Payment Assistance (DPA) Program	deferred_loan	$45,000	Orange	City of Orlando - Community Development
Down Payment Assistance Program	grant	$20,000	Putnam	City of Palatka
Home Purchase Assistance	deferred_loan	Contact	Brevard	City of Palm Bay
HOME Homebuyers Program	deferred_loan	$12,500	Escambia	City of Pensacola Community Redevelopment Agency
Homebuyer Incentive Program	deferred_loan	$30,000	Escambia	City of Pensacola Community Redevelopment Agency
SHIP First Time Homebuyers Program	deferred_loan	$45,000	Escambia	City of Pensacola Community Redevelopment Agency
Homebuyer Assistance Program	deferred_loan	$100,000	St. Lucie	City of Port St. Lucie - Neighborhood Services
Riviera Beach Renaissance Program	deferred_loan	$50,000	Palm Beach	City of Riviera Beach
Housing Down Payment Assistance	deferred_loan	$75,000	Pinellas	City of St. Petersburg
Purchase Assistance Program	deferred_loan	Contact	Broward	City of Sunrise
First-Time Homebuyer Purchase Assistance Program	deferred_loan	$85,000	Broward	City of Tamarac
Dare to Own the Dream (Dare)	deferred_loan	$40,000	Hillsborough	City of Tampa - Florida Housing & Community Development
First Time Homebuyer program	deferred_loan	$64,500	Brevard	City of Titusville Neighborhood Services
Housing Assistance Purchase Program Yearly (HAPPY)	deferred_loan	$60,000	Palm Beach	City of Westlake - Community
First Time Homebuyer Down Payment Assistance	deferred_loan	$20,000	Clay	Clay County
Homebuyer Purchase Assistance Program	deferred_loan	$50,000	Broward	Coconut Creek Economic Development
Home Buyer Purchase Assistance	deferred_loan	$50,000	Broward	Coral Springs - Community Development
First-Time Homeownership Program	deferred_loan	$75,000	Palm Beach	Delray Beach - Neighborhood Services
East Tampa CRA Down Payment Assistance Program	deferred_loan	$50,000	Hillsborough	East Tampa CRA / R.E.A.C.H.
SHIP First-Time Homebuyer Program	deferred_loan	$45,000	Escambia	Escambia County - Neighborhood & Human Services
Classic DPA Program	deferred_loan	$10,000	Alachua, Bay, Bradford, Escambia, Franklin, Gadsden, Gulf, Hernando	Alabama Housing Finance Authority
Florida Assist (FL Assist) for Non-Bond (TBA)	deferred_loan	$10,000	Alachua, Baker, Bay, Bradford, Brevard, Broward, Calhoun, Charlotte, Citrus, Clay, Collier, Columbia, DeSoto, Dixie, Duval, Escambia, Flagler, Franklin, Gadsden	Florida Housing Finance Corporation
Homeownership Program	deferred_loan	Contact	Lake, Sumter	Habitat for Humanity of Lake-Sumter
First Time Homebuyer Program (FTHB) - Affordable Housing	deferred_loan	$100,000	Broward	Hallandale Beach Community Redevelopment Agency
First Time Homebuyer Program (FTHB) - Workforce Housing	deferred_loan	$15,000	Broward	Hallandale Beach Community Redevelopment Agency
Home Sweet Home Hillsborough Program	deferred_loan	$15,000	Hillsborough	Housing Finance Authority of Hillsborough County
HFA Mortgage - First Time Homebuyer Program	deferred_loan	$15,000	Miami-Dade	Housing Finance Authority of Miami-Dade County
Home Key Plus 2nd Mortgage	deferred_loan	$12,000	Pasco, Pinellas, Polk	Housing Finance Authority of Pinellas County
First-Time Homebuyer Down Payment Assistance Program	deferred_loan	$10,000	Monroe	Islamorada, Village of Islands
Down Payment Assistance	deferred_loan	$20,000	Polk	Lake Wales Community Redevelopment Agency
First Plus Program	deferred_loan	$10,000	Broward, Charlotte, Collier, DeSoto, Glades, Hendry, Lee, Palm Beach, Sarasota	Lee County Housing Finance Authority
Market Rate Program	grant	Contact	Collier, DeSoto, Lee, Palm Beach	Lee County Housing Finance Authority
CDBG Homeownership Assistance Program	deferred_loan	$75,000	Lee	Lee County
Home Down Payment Assistance Program	deferred_loan	Contact	Lee	Lee County
First -Time Home Buyers Assistance Program	deferred_loan	$20,000	Monroe	Marathon - Planning Department
Down Payment Assistance	deferred_loan	$50,000	Martin	Martin County Housing Assistance
Homeownership Assistance Program	deferred_loan	$28,500	Miami-Dade	Miami Dade Economic Advocacy Trust
Moderate Income Mortgage Assistance Program (MIMA)	deferred_loan	$30,000	Broward	Miramar - Economic Develop. & Housing Dept.
Down Payment & Closing Cost Assistance	deferred_loan	$102,747	Nassau	Nassau County
Down Payment Assistance (DPA)	deferred_loan	$70,000	Orange	Orange County - Neighbors & Housing
Central Florida Homebuyers Dream Program	deferred_loan	$10,000	Lake, Orange, Osceola, Seminole	Orange County Housing Finance Authority
Central Florida Housing Opportunity Program	deferred_loan	$7,500	Lake, Orange, Osceola, Seminole	Orange County Housing Finance Authority
CRA Down Payment Assistance	deferred_loan	$125,000	Orange	Orlando Downtown Development Board / CRA
Home Down Payment Purchase Assistance Program	deferred_loan	$80,000	Osceola	Osceola County - Housing and Community Services
SHIP First Mortgage Assistance	deferred_loan	Contact	Palm Beach	Palm Beach County - Housing & Economic Development
Workforce Housing Program (WHP)	deferred_loan	$55,736	Palm Beach	Palm Beach County - Housing & Economic Development
Down Payment Assistance (DPA)	deferred_loan	$65,000	Pasco	Pasco County Community Development Department
Home Buyer Purchase Assistance Program	deferred_loan	$50,000	Broward	Plantation Economic Development
First Time Homebuyer program	deferred_loan	$80,000	Broward	Pompano Beach - Office of Housing & Urban Improvement
First-Time Home Buyer Grant Program	grant	$7,500	Hernando, Hillsborough, Manatee, Pasco, Pinellas, Polk	Realtors Care Foundation Inc.
SHI PRO/ DPAL	deferred_loan	$15,000	Hillsborough	Solita's House Inc
Homebuyer Purchase Assistance Program	deferred_loan	$80,000	Broward	The City of Weston
First Time Homebuyer program	deferred_loan	$90,000	Broward	Town of Davie Community Affairs Division
Coral Springs - Home Buyer Grant Programs	grant	Contact	Broward	USDA Rural Mortgage
NSP Home Purchase Program	deferred_loan	$46,000	Volusia	Volusia County - Community Assistance
Down Payment Assistance	grant	$20,000	Baker, Benton, Clackamas, Clatsop, Columbia, Coos, Crook, Curry, Deschutes, Douglas, Gilliam	Confederated Tribes of Grand Ronde - Housing
Chenoa Fund FHA Down Payment Assistance Forgivable	deferred_loan	Contact	US	CBC Mortgage Agency (Chenoa Fund)
Chenoa Fund FHA Down Payment Assistance Repayable	deferred_loan	Contact	US	CBC Mortgage Agency (Chenoa Fund)