Florida down payment assistance programs.
Florida offers multiple down payment assistance programs providing up to $35,000. First-time buyers, veterans, teachers, nurses, and law enforcement may all qualify.
Every program available in 2026.
Many buyers leave thousands on the table because they don’t know these programs exist. Our mortgage team reviews every available program for your situation at no cost.
Hometown Heroes — Up to $35,000
For Florida community workforce: teachers, nurses, law enforcement, EMTs, firefighters, childcare workers, and veterans. Down payment + closing cost assistance as a 0% deferred second mortgage. Income limits apply by county.
FL Assist — Up to $10,000
0% interest deferred second mortgage. No monthly payments. Repaid only when the home is sold, refinanced, or the first mortgage is paid off. Available with FHA, VA, USDA, and Conventional first mortgages.
Florida HLP Second Mortgage — $10,000
$10,000 second mortgage at 3% interest over 15 years. Monthly payment of approximately $69. Can be combined with a Florida Housing first mortgage.
SHIP Grants — Varies by County
Palm Beach, Broward, and Miami-Dade counties all administer SHIP (State Housing Initiatives Partnership) funds. Amounts and availability vary. Some SHIP programs are forgivable grants.
Palm Beach County DPA — Up to $60,000
Palm Beach County’s Housing and Community Development division offers deferred payment loans up to $60,000 for income-qualifying buyers within Palm Beach County.
City-Level Programs
West Palm Beach, Boca Raton, Boynton Beach, and other municipalities offer additional DPA funds for buyers purchasing within city limits. These can be stacked with state programs.
Can programs be combined?
Yes. In some cases, a buyer can stack Hometown Heroes ($35K) with a city-level DPA program, effectively covering the entire down payment and closing costs on a moderately priced home. Our mortgage team specializes in maximizing every available dollar for our clients.
Equal Housing Lender. Program availability and terms subject to change. Not a commitment to lend. NMLS# 1859012. Licensed in Florida.
Find out how much assistance you qualify for.
Our team reviews every program at no cost. Most buyers qualify for more than they expect.
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