Florida • First-Time Homeowner programs
First-Time Homeowner grants in Florida
Browse first-time homeowner grants available in Florida, including statewide and local programs.
10 active programs in Florida
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City of Tamarac Community Development DepartmentFLFirst-Time HomeownerCity of Tamarac purchase assistance program that provides substantial subordinate mortgage financing to cover down payment and closing costs for low-, very low-, and moderate-income first-time buyers, funded through local and state housing resources.
Updated: Dec 6, 2025
City of Tamarac’s purchase assistance program providing substantial down payment and closing-cost help to first-time homebuyers purchasing within Tamarac, Florida.
Eligible for: Income-eligible first-time homebuyers purchasing a new or existing home within the City of Tamarac; household income must be at or below 120…
Osceola County Housing & Community DevelopmentFLFirst-Time HomeownerLocal SHIP-funded purchase assistance program administered by Osceola County that provides deferred, need-based loans to help eligible buyers cover down payment and closing costs when purchasing a home in the county.
Updated: Dec 6, 2025
County-level program in Osceola County offering down payment/closing cost assistance to eligible first-time homebuyers to promote homeownership in the region.
Eligible for: First-time homebuyers, income eligible, purchasing in Osceola County, must meet county program criteria.
Florida Housing Finance CorporationFLFirst-Time HomeownerFlorida Housing HLP (Homeownership Loan Program) second mortgage that provides a fixed-rate, amortizing junior loan to supply additional down payment and closing cost assistance when layered with a Florida Housing first mortgage.
Updated: Dec 6, 2025
A second mortgage option offered to eligible Florida homebuyers that carries a fixed interest rate and is amortized over time, aimed at reducing the cost burden of purchasing a home by providing additional assistance beyond standard down payment aid.
Eligible for: Florida homebuyers, purchase in counties where program is active, must use eligible first mortgage and meet program criteria.
Housing Finance Authority of Pinellas CountyFLFirst-Time HomeownerMulti-county Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage (Home Key Plus 2nd Mortgage) to provide down payment and closing cost assistance for eligible buyers in Pinellas, Pasco, and Polk counties.
Updated: Dec 6, 2025
Zero-interest Home Key Plus 2nd Mortgage down payment assistance for first-time homebuyers in Pinellas, Pasco, and Polk counties, paired with an HFA first mortgage.
Eligible for: First-time homebuyers, veterans, or buyers who have not owned a home in the past 3 years; minimum 660 credit score; must complete an approve…
Florida Housing Finance CorporationFLFirst-Time HomeownerStatewide Florida Housing Hometown Heroes program that provides a 0% interest, non-amortizing second mortgage to cover down payment and closing costs for eligible frontline workers, layered on top of a Florida Housing first mortgage.
Updated: Dec 6, 2025
Dedicated to eligible frontline community workers, this program provides meaningful assistance for down payment and closing cost support to help make homeownership more attainable in Florida.
Eligible for: First-time homebuyers (or veterans/active duty) in Florida frontline occupations (e.g., education, healthcare, public safety), must purchase…
Housing Finance Authority of Hillsborough CountyFLFirst-Time HomeownerCounty-level Housing Finance Authority program that pairs a fixed-rate first mortgage with a 0% interest, deferred second mortgage to provide down payment and closing cost assistance for income-eligible first-time buyers in Hillsborough County.
Updated: Dec 6, 2025
County-level down payment assistance via a 0% interest second mortgage that helps first-time buyers in Hillsborough County cover down payment and closing costs.
Eligible for: First-time homebuyers in Hillsborough County (with some exceptions in HUD-targeted areas); must purchase and occupy a primary residence in H…
Florida Housing Finance CorporationFLFirst-Time HomeownerStatewide Florida Housing Finance Corporation initiative that offers 30-year fixed-rate first mortgages through participating lenders, often paired with second-mortgage or grant-style down payment and closing cost assistance products such as Florida Assist, HFA second mortgages, and specialized programs like Hometown Heroes.
Updated: Dec 6, 2025
Statewide mortgage program offering fixed-rate first mortgages combined with optional down payment or closing cost assistance options to support first-time homebuyers in Florida.
Eligible for: First-time homebuyers in Florida, meet IRS definition (no ownership in last 3 years), county-specific income/purchase price limits, minimum …
Florida Housing Finance CorporationFLFirst-Time HomeownerFlorida Housing Assist (FL Assist) program, described here by a third-party site, that provides a 0% interest, deferred second mortgage to help eligible buyers cover down payment and closing costs when used in conjunction with a Florida Housing first mortgage.
Updated: Dec 6, 2025
A down payment assistance second mortgage up to $10,000 helps eligible Florida homebuyers cover upfront costs when paired with an eligible first mortgage product.
Eligible for: Florida homebuyers (first-time or otherwise if criteria met), must use Florida Housing first mortgage (FHA/VA/USDA/Conventional), meet incom…
Miami-Dade County Housing & Community DevelopmentFLFirst-Time Homeowner
Updated: Nov 20, 2025
assists eligible homebuyers in Miami-Dade County with a no-interest deferred loan for down payment to purchase first home.
Eligible for: First-time homebuyers; income limits: individuals <$95,620; couples <$109,200; 3-person household <$122,920; 4-person household <$136,500; m…
Broward County Housing Finance DivisionFLFirst-Time Homeowner
Updated: Nov 20, 2025
Provides deferred-payment loan assistance for eligible first-time homebuyers in Broward County to help cover down payment, closing costs, or interest-rate buy-down.
Eligible for: Qualified first-time homebuyers (income-eligible, primary residence, HUD homebuyer education course)