Florida Down Payment Assistance Programs 2025

Florida down payment assistance. Up to $35,000.

State and county down payment assistance programs for Florida home buyers in 2025. Free money toward your down payment — no repayment required on many programs.

Down Payment Assistance — Florida 2025

Stop renting. Let the programs work for you.

Down payment assistance programs fill the gap between what you have saved and what you need to close on a home. In Florida, several state and county programs provide grants, forgivable loans, and deferred second mortgages to help buyers get to the closing table with less cash out of pocket. Many programs are stacked — meaning you can combine a DPA grant with a low-down-payment mortgage for maximum benefit.

Florida DPA Programs at a Glance

Program	Max Amount	Type	Who Qualifies
Florida Hometown Heroes	Up to $35,000	Forgivable / 0% deferred	Teachers, nurses, first responders, military, law enforcement
Florida Housing DPA (Florida First)	Up to 5% of loan	0% deferred second mortgage	First-time buyers (or no home in 3 years)
Palm Beach County DPA	Up to $20,000	Forgivable over 5–10 years	Low-to-moderate income buyers in Palm Beach County
Broward County DPA	Varies	Deferred second mortgage	First-time buyers in Broward County
SHIP (State Housing Initiatives Partnership)	Varies by county	Deferred or forgivable	Income-qualified buyers in participating counties
FHA Gift Funds	Up to 100% of down payment	Gift (no repayment)	Any FHA borrower receiving gift from family member

Common Myths About DPA Programs

"I make too much to qualify."

Reality: Income limits are higher than most buyers expect — often $100K–$130K+ household income qualifies for major programs.

"DPA programs are too complicated."

Reality: Your lender handles the paperwork. It adds days, not weeks. Mortgage Capital manages the process entirely.

"Sellers won't accept DPA offers."

Reality: In most South Florida markets, DPA offers are accepted routinely. Pre-approval letters look identical to conventional.

"I'd rather just wait and save up."

Reality: In South Florida, prices rose 8–12% last year. Waiting to save 20% often costs more than accepting a DPA program.

More Resources

First-Time Buyer Programs

Don’t leave free money on the table.

Mortgage Capital evaluates your DPA eligibility for free. Get pre-approved and see what you qualify for today. Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval.

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