From state-supported assistance to nationally available loan programs, here are the most common paths Florida buyers use to become homeowners.
For Florida's frontline workforce.
Down payment and closing cost assistance designed for Florida community workers — teachers, nurses, law enforcement, firefighters, and many other essential professions.
Bridge the gap on your down payment.
A 0% deferred second mortgage that helps cover down payment and closing costs when paired with an eligible Florida Housing first mortgage.
Flexible credit, low down payment.
Government-insured loans designed for first-time and credit-building buyers. Lower down payment requirements and more forgiving credit guidelines.
Competitive financing for qualified buyers.
Traditional financing with as little as 3% down for eligible borrowers and competitive interest rates for buyers with stronger credit profiles.
Earned benefits for those who served.
VA-backed financing for eligible active duty service members, veterans, and surviving spouses — with $0 down payment options and no monthly mortgage insurance.
A licensed Florida mortgage professional will review your information and reach out — no obligation, no high-pressure pitch.
