🏠 Down Payment Assistance Programs Available in Florida
By Darron Burow, REALTOR® – Serving Veterans, Families, and First-Time Buyers
Are you dreaming of homeownership but concerned about the upfront costs? Florida offers several Down Payment Assistance (DPA) programs that could help you get the keys to your new home—with little to no money down.
💰 Available DPA Programs
1. Florida Assist (FL Assist)
Up to $10,000 as a deferred second mortgage
No monthly payments
Repaid only if you sell, refinance, transfer, or move out
Available for FHA, VA, USDA, and Conventional loans
2. Florida Homeownership Loan Program (FL HLP)
Up to $10,000 as a second mortgage
15-year term with monthly payments
Payment counts toward your debt-to-income ratio
Deferred repayment applies in specific cases
3. Florida PLUS 3%, 4%, or 5% Second Mortgage
3%–5% of loan amount for down payment or closing costs
Forgiven 20% per year over 5 years
No repayment if you remain in the home for 5 years
4. Hometown Heroes
Up to $35,000 (minimum of $10,000) based on 5% of the total loan amount
Deferred second mortgage—no payments unless you sell, refinance, or move out
Designed for active duty, veterans, educators, healthcare workers, and more
Available for FHA, VA, USDA, and Conventional loans
⚠️ UPDATE: At the time of this article, the Hometown Heroes program is FULLY RESERVED.
Good news: It reopens in July 2025—so get started now to be ready when it launches!
✅ Find Out If You Qualify Today
To check your eligibility, I just need to know:
Number in your household
Let’s get started—reach out now!
📞 Darron Burow, REALTOR®
📱 321-914-2347
🟩 Call now to see if you qualify and take the first step toward homeownership!