NMLS #1013665
Down payment and closing cost assistance for Florida's essential workers — teachers, nurses, firefighters, law enforcement, and more.
A Florida Housing Finance Corporation program providing down payment and closing cost assistance to the workers who keep our communities running.
The Hometown Heroes program provides a second mortgage of up to $35,000 to help cover your down payment and closing costs. This second mortgage carries 0% interest and is fully deferred — meaning no monthly payments are required on the assistance. Repayment is only triggered when you sell, refinance, or pay off the first mortgage.
All full-time, employed Florida workers in over 50 qualifying professions may be eligible.
Four straightforward steps from eligibility check to keys in hand.
Schedule a call or use our AI tool to see if you qualify based on your profession, income, and credit.
We handle the paperwork, verify your eligibility, and lock your rate with a Florida Housing-approved first mortgage.
Make offers knowing your financing is secured and your down payment assistance is in place.
Your down payment and closing costs are covered by the Hometown Heroes assistance at closing.
The Hometown Heroes program is one of the most generous down payment assistance programs in the country.
In down payment and closing cost assistance — one of the highest DPA amounts available in Florida.
The DPA second mortgage carries zero percent interest for the life of the loan.
No monthly payment on the assistance. Repayment is deferred until sale, refinance, or payoff of the first mortgage.
Florida Housing first mortgage rates are typically below prevailing market rates, saving you even more.
Can be combined with FHA, VA, USDA, or Conventional first mortgage programs for maximum flexibility.
Available in all 67 Florida counties — from Pensacola to Key West and everywhere in between.
Take the 60-second interactive eligibility check — based on the official Florida Housing Finance Corporation (FHFC) program rules.
Hometown Heroes is reserved for Florida frontline workers — pick the closest match.
Your employer must be Florida-based with a physical FL location. Fully-remote employees aren't eligible.
Hometown Heroes is a first-time homebuyer program. "First-time" = no principal-residence ownership in the past 3 years.
Property must be in Florida. Income and price limits vary by county.
Must be your primary residence. New construction isn't eligible.
Minimum 640 FICO required (660 if manually underwritten).
Income limits are county-specific. The Bond track counts all occupants 18+; the TBA track counts only borrower income.
Get a personalized eligibility check in minutes. We'll walk you through the program, your qualifying professions, income limits, and next steps — all at no cost and no obligation.