Florida Down Payment Assistance Programs: Complete 2026 Guide
Florida down payment assistance programs are run primarily through the Florida Housing Finance Corporation and are available through approved lenders statewide. Several programs offer grants or forgivable second mortgages for qualifying buyers. Here is what is available in 2026 and how to qualify.
Hometown Heroes Housing Program
Florida’s Hometown Heroes program provides up to 5% of the first mortgage loan amount (maximum $35,000) as a forgivable second mortgage. Teachers, nurses, law enforcement, first responders, EMTs, and other community workforce members qualify. Income limits apply by county. The program is extremely popular and funding can pause when appropriations run out, so apply early.
Florida Assist (FL Assist)
The FL Assist program offers a $10,000 deferred second mortgage at 0% interest. No monthly payments. It is repayable only when you sell, refinance, or pay off the first mortgage. Available statewide through approved lenders. Income limits apply based on family size and county.
Mortgage Credit Certificate (MCC)
The MCC converts a portion of your mortgage interest into a dollar-for-dollar federal tax credit of up to $2,000/year for the life of the loan. It does not reduce your down payment but directly reduces your federal tax bill every year you own the home. It can be combined with other Florida Housing programs.
How to apply
All Florida Housing programs are accessed through approved lenders. Not all lenders participate. Call Mortgage Capital to confirm current income limits, property price limits, and available funding before you start shopping. Program availability and funding levels change throughout the year.
For personalized guidance on buying or selling in South Florida, contact the team at Pure Equity Realty. We serve Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties with expert representation and a 1% listing fee.
Onias Derilus is the Broker/Owner of Pure Equity Realty, a South Florida brokerage specializing in 1% listing commissions and free buyer representation across Palm Beach, Broward, Miami-Dade, St. Lucie, and Highlands counties. He holds an NMLS mortgage originator license and founded Mortgage Capital and Verified Title to serve clients through every step of the transaction.