Empower your journey to homeownership with The Doce Mortgage Group Down Payment Assistance Programs (DPA) in Florida, designed to provide essential support for creditworthy, low and moderate-income individuals. Discover how easy it can be to attain your dream home with down payment assistance programs, a manageable payment structure, and expert guidance to ensure you stay on track throughout the process. Discover how easy it can be to attain your dream home with flexible payment solutions that work for you. Let us help you unlock the door to a brighter future.
Tailored assistance to help cover the significant upfront costs of purchasing a home.
Includes considerations for income, credit score, and first-time homebuyers.
Offering a mix of grants and loans to suit various homebuyer needs.
Florida offers these 67 programs to reduce homeownership costs in 2025.
Assistance includes grants, forgivable loans, and deferred payment options.
Local, state, and national programs can be combined for maximum savings.
Buying a home in Florida in 2025 can feel overwhelming when prices are rising across nearly every county. The good news is that there are dozens of florida down payment assistance programs designed to reduce the financial pressure and make homeownership possible for more families. These programs range from statewide initiatives that cover every county to very specific local options available in individual cities. Some offer forgivable loans, others provide grants, and a few even remove the need for a down payment altogether.
The Doce Mortgage Group specializes in helping buyers understand which of these programs fit their situation, and in some cases, buyers may also qualify for the HomeZero program which eliminates the down payment entirely. Below is a comprehensive look at sixty of the most valuable opportunities available today.
Florida Hometown Heroes Loan Program (Bond Option)
The Florida Hometown Heroes Loan Program is one of the largest statewide initiatives, designed specifically for essential workers and active-duty military members or veterans. It provides up to 5% of the first mortgage amount—capped at $35,000—with a minimum of $10,000 for smaller loans, as a deferred, zero-interest second mortgage. If the buyer remains in the home and follows all program guidelines, this assistance is forgiven after five years. In 2025, this has become one of the most popular florida down payment assistance programs, helping thousands of families move into affordable homes without the long wait of saving a large down payment.
Florida Hometown Heroes Loan Program (TBA Funding)
When funding under the Bond Option runs low, the TBA Funding alternative steps in to offer flexibility. Buyers who qualify as essential workers or military members can receive up to 5% of their loan amount, again capped at $35,000, under a deferred second mortgage structure. The loan carries no interest and is forgiven after five years if program requirements are met. This program ensures that even when bond allocations are exhausted, eligible buyers still have access to meaningful statewide support.
Florida Plus TBA Down Payment Assistance Program
This program is ideal for buyers who may not qualify for the Heroes initiative but still need statewide help. It offers 3%, 4%, or 5% of the loan amount, structured as a repayable second mortgage. While this option does include interest and monthly payments, it allows greater flexibility in funding, especially for households who need a percentage-based boost. The Florida Plus TBA remains one of the strongest florida down payment assistance programs for non-Hero buyers in 2025.
Florida Bond Program – FL Assist $10,000 Loan
The FL Assist program provides a straightforward $10,000 in assistance as a deferred loan with zero interest. No payments are required until the home is sold, refinanced, or the first mortgage is paid off. Because it carries no monthly obligation, this program is popular with first-time buyers who need upfront help without worrying about higher bills. It pairs well with FHA, USDA, or VA financing, making it an essential choice for many new homeowners.
Florida Bond Program – FL HLP $12,500 Loan
The FL HLP offers $12,500 as a repayable second mortgage at a fixed 3% interest rate. Unlike FL Assist, this program does require monthly payments, but the larger upfront assistance can make a significant difference in covering a down payment or closing costs. For buyers able to handle a modest additional monthly cost, the FL HLP provides greater flexibility and long-term stability.
Florida TBA Program – FL Assist $10,000 Loan
This option mirrors the Bond-based FL Assist but is available when bond allocations are unavailable. It offers $10,000 in deferred, interest-free assistance that requires no monthly payments. The balance is due only at sale, refinance, or payoff. The consistency of this program makes it one of the most reliable florida down payment assistance programs, ensuring buyers can still access help even when other statewide funds are temporarily exhausted.
Florida TBA Program – FL HLP $12,500 Loan
This program mirrors the FL HLP but is offered through TBA funding. It provides $12,500 as a second mortgage at 3% interest with monthly payments required. Although not forgivable, it allows higher upfront support than FL Assist and works well with government loan programs. For households who can budget for the payments, this program delivers meaningful help with the initial costs of homeownership in Florida.
In addition to statewide initiatives, Florida buyers in 2025 can benefit from national options backed by federal agencies and government-sponsored enterprises. These florida down payment assistance programs can often be combined with local or state support to maximize savings. Because they are available across the entire state, they form a core part of many buyers’ financing strategies.
FHA Loan Program
The FHA loan remains one of the most widely used florida down payment assistance programs because of its low down payment requirements. Buyers with a credit score of 580 or higher can purchase with just 3.5% down. Those with scores as low as 500 can still qualify if they put down 10%. FHA loans are also flexible because down payment funds can come from assistance programs or family gifts. In 2025, FHA financing remains a trusted path for first-time buyers across Florida.
VA Loan Program
The VA loan program continues to provide unmatched benefits for veterans, active-duty service members, and eligible surviving spouses. It allows 100% financing with no down payment and requires no private mortgage insurance, which saves buyers hundreds of dollars every month. With competitive interest rates and flexible credit standards, it is one of the most generous florida down payment assistance programs available. For military families in Florida, this option often represents the simplest path to homeownership
USDA Rural Development Loan
The USDA loan program is designed to encourage homeownership in rural areas. Buyers who qualify can access 100% financing with no down payment required, as well as reduced mortgage insurance and fixed interest rates. In 2025, many Florida counties still qualify as USDA-eligible, making this program particularly valuable for families who want a quieter lifestyle outside of major metro areas. It continues to be one of the most important florida down payment assistance programs for rural buyers.
HomeReady Loan Program
Fannie Mae’s HomeReady option helps buyers with moderate incomes purchase a home with as little as 3% down. It accepts alternative income sources, such as contributions from roommates or family members, making it easier to qualify. Mortgage insurance requirements are reduced and can be canceled once 20% equity is reached. This program remains a flexible florida down payment assistance program for households that may not fit traditional guidelines but still have the ability to manage a mortgage successfully.
Home Possible Loan Program
Freddie Mac’s Home Possible program also allows buyers to put down just 3% and enjoy reduced mortgage insurance costs. It is particularly helpful for households with stronger credit who do not need alternative income sources to qualify. In Florida, it is one of the most popular florida down payment assistance programs for young professionals and families seeking an affordable entry into homeownership while keeping monthly costs manageable.
Fannie Mae Standard 97% LTV
The Standard 97% program provides 97% financing with only 3% down, and it does not carry income restrictions. This makes it ideal for moderate-income buyers who earn too much to qualify for other income-limited programs but still need low upfront costs. In 2025, this program is one of the best florida down payment assistance programs for families who are ready to buy but don’t have significant savings set aside.
Good Neighbor Next Door Program
The HUD Good Neighbor Next Door program is designed for teachers, firefighters, law enforcement officers, and EMTs. It offers a 50% discount on HUD-owned properties in designated revitalization areas, provided buyers commit to living in the home for at least three years. With potential discounts worth tens of thousands of dollars, this remains one of the most powerful florida down payment assistance programs for public service professionals across the state.
National Homebuyers Fund
The National Homebuyers Fund provides up to 5% of the loan amount in assistance, which can be structured as a forgivable grant or a repayable second mortgage. This flexibility makes it possible for households in a variety of financial situations to qualify. Available nationwide, it has helped more than 40,000 buyers since its creation and remains a key resource for those exploring florida down payment assistance programs in 2025.
Down Payment Toward Equity Act
The proposed federal Down Payment Toward Equity Act would provide up to $25,000 in grant funds for first-generation, first-time buyers. While implementation details continue to be finalized in 2025, the act is designed to reduce wealth gaps by supporting households whose parents never owned a home. If passed fully, it will become one of the most significant florida down payment assistance programs available at the national level.
Forgivable Mortgage Assistance
Many programs offered through federal and state partnerships provide forgivable mortgages that require no monthly payments. These loans are forgiven after a set number of years, typically between 5 and 10, if the homeowner continues to occupy the property. In 2025, forgivable mortgage support remains a common feature of florida down payment assistance programs, giving buyers the confidence that their support will not add future debt burdens.
South Florida is one of the most competitive real estate markets in the United States, and by 2025 home prices in Miami-Dade, Broward, and Palm Beach counties are often well above state averages. That makes local florida down payment assistance programs essential for helping buyers secure affordable housing. Below are some of the strongest opportunities available to residents of South Florida.
Miami-Dade County Homebuyer Down Payment Assistance Program
Miami-Dade County offers up to $35,000 in assistance through a zero-interest deferred loan. Buyers are not required to make monthly payments, and the balance is forgiven after six years if the home remains their primary residence. This program has been instrumental in helping families in Miami purchase homes despite some of the highest prices in the state, where the median home cost is now above $500,000.
Miami-Dade Advocacy Trust Grant
This program provides up to $28,500 in support for first-time buyers. Structured as a deferred loan, the assistance is fully forgivable after twenty years of continuous residency. Homebuyers must contribute a small percentage of their own funds, but this long-term support allows households to build equity without facing immediate repayment. It is one of the most substantial florida down payment assistance programs available in Miami-Dade.
Miami-Dade HFA First-Time Homebuyer Program
The Miami-Dade Housing Finance Authority provides up to $15,000 in zero-interest down payment assistance as a deferred second mortgage. Buyers also receive a 30-year fixed-rate mortgage through approved financing channels. This program is especially helpful in 2025, as it allows buyers to combine stable financing with upfront support in one of Florida’s most expensive metro markets.
City of Fort Lauderdale Purchase Assistance Program
Fort Lauderdale’s initiative provides up to $75,000 for down payment, closing costs, or principal reduction. Assistance is structured as a deferred loan with no monthly payments required, due only if the home is sold or refinanced within 15 years. In a city where median home values top $480,000, this program makes it possible for more families to remain in the community.
Hallandale Beach First-Time Homebuyer Grant
Hallandale Beach offers one of the most generous programs in Broward County, with up to $100,000 in assistance. Funds can cover down payments and closing costs, with additional incentives for teachers, nurses, and first responders. Assistance is forgivable after long-term residency. In 2025, this initiative stands out as one of the most powerful florida down payment assistance programs available anywhere in the state.
City of Lauderhill Purchase Assistance Program
Lauderhill provides between $40,000 and $75,000 depending on household income. The funds are offered as a deferred loan with zero interest and are forgivable if residency requirements are met. This program supports both new and existing homes and has become a cornerstone of affordable housing policy in the city.
City of Pembroke Pines SHIP Program
Pembroke Pines uses SHIP funds to provide grants that vary by income and household size. Assistance is structured as a deferred loan, typically forgiven after ten years. Funds may be applied to down payments or closing costs, and buyers must complete a HUD-approved education course. This program continues to help families buy homes in a growing community where demand has pushed up prices in 2025.
Broward County Homebuyer Purchase Assistance Program
Broward County provides up to $80,000 in assistance depending on city of purchase and household income. The program is structured as a zero-interest deferred loan with forgiveness after 15 years. With Fort Lauderdale and Weston experiencing double-digit price growth in 2025, this initiative remains one of the most vital florida down payment assistance programs in the county.
Broward County CDBG Assistance
Through Community Development Block Grant funding, Broward County also offers assistance up to 3% of the purchase price. Funds can be applied toward down payment, closing costs, or gap financing, and repayment is deferred for 15 years with forgiveness available. It is a smaller program compared to others, but it provides valuable targeted support for low-income families.
Palm Beach County SHIP Program
Palm Beach County provides up to $100,000 in support, structured as a zero-interest deferred loan forgiven after thirty years. Funds can cover down payment, closing costs, or acquisition of a first home. With homes in Boca Raton and Palm Beach Gardens among the most expensive in Florida, this program has become essential for local families who cannot save fast enough for a down payment.
Palm Beach County HOME Program
This program provides up to $100,000 for down payment, closing costs, or home construction support. Funds are structured as deferred loans, forgiven after thirty years of occupancy. Assistance is limited to households earning under 80% of the area median income. In 2025, this program continues to expand homeownership opportunities for families priced out of the competitive Palm Beach market.
The Central Florida region, including Orlando, Orange County, Polk County, and Volusia County, has seen steady growth in 2025. Orlando’s median home price in 2025 is estimated to be in the mid-$300,000s, and surrounding counties are quickly catching up. For families in this region, florida down payment assistance programs are essential tools that make ownership possible despite rising costs and increasing competition.
City of Orlando Down Payment Assistance Program
The City of Orlando offers up to $45,000 in support for eligible first-time buyers. The program is structured as a deferred loan with no interest, and forgiveness is granted after long-term residency. Applicants must complete a HUD-approved education course and contribute a small amount of their own funds. This program is one of the most valuable florida down payment assistance programs in Central Florida, ensuring that more families can stay rooted in the city.
Orange County Down Payment Assistance Program
Orange County provides up to $70,000 depending on household income. Very low-income buyers may qualify for the maximum, while moderate-income buyers can access smaller amounts. The funds are structured as deferred loans with partial forgiveness each year over a ten-year period. In 2025, this program plays a critical role in helping households remain competitive in a market that continues to attract new residents from across the country.
HANDS of Central Florida Assistance
The HANDS organization offers up to $38,000 in total support for buyers in Polk County. Very low-income families can receive $30,000 plus $8,000 in closing cost assistance, while moderate-income households may qualify for $15,000 plus $6,000. Assistance is structured as deferred loans with no interest. By pairing counseling with financial support, this program continues to help families purchase in Polk County’s growing communities.
Volusia County Homebuyer Assistance
Volusia County offers up to $50,000 in deferred loan support for qualified households. Funds can be used for both down payment and closing costs, with no monthly payments required. Buyers must apply through county-approved housing partners and complete a pre-screen interview before submitting an application. With Daytona Beach and surrounding towns experiencing rising demand, this program provides essential relief for first-time buyers in the area.
Sumter County Down Payment Assistance Program
Sumter County offers up to $20,000 in assistance through SHIP funds. Support can be applied to down payment, closing costs, or related acquisition expenses. Assistance is structured as a zero-interest deferred loan, and forgiveness may apply after a set period. While smaller in amount than other regional programs, it often provides the final funds needed for buyers in a county where the average home price is under $300,000 in 2025.
City of Gainesville Down Payment Assistance Program
Gainesville provides up to $30,000 for first-time buyers purchasing within city limits. The loan is structured as deferred and forgivable after ten years if all conditions are met. Applicants must complete a homebuyer education workshop and fall under HUD income limits. With University of Florida expansion driving housing demand, this program has become one of the most effective florida down payment assistance programs in North-Central Florida.
City of Melbourne Purchase Assistance Program
Melbourne offers up to $44,500 depending on household income, including funds for home repairs. Very low-income households qualify for the highest amounts, while moderate-income buyers receive slightly less. Assistance is structured as a deferred loan with forgiveness after five or ten years. With home prices in many parts of Brevard County trending upward past the mid-$300,000s in 2025, this program helps families manage the upfront cost barrier.
City of Palm Bay Down Payment Assistance Program
Palm Bay provides up to $67,400 for very low-income households and $57,400 for low-income buyers. Funds are offered as deferred, zero-interest loans and may include repair funds for existing homes. Applicants must attend a HUD-approved education course and contribute a good faith deposit. This program is one of the strongest florida down payment assistance programs in Brevard County and is critical for families priced out of the rising coastal market.
The Tampa Bay region—including Tampa, St. Petersburg, Clearwater, and surrounding counties—has seen some of the fastest growth in Florida. With Tampa metro home values now averaging in the $370,000–$410,000 range in 2025 and steady population growth, demand continues to outpace supply in many suburbs. To help families overcome rising costs, several strong florida down payment assistance programs exist in Hillsborough, Pinellas, and Hernando Counties.
City of Tampa “Dare to Own the Dream” Program
Tampa’s program provides up to $50,000 in forgivable down payment and closing cost assistance. Funds are structured as a zero-interest deferred loan, with forgiveness after 20 years of owner occupancy. Buyers must complete housing counseling and contribute a small portion of their own funds. In a market where affordability has become a top concern, this program is one of the most helpful florida down payment assistance programs for city residents.
Hillsborough County Home Sweet Home Program
Hillsborough County offers up to $25,000 in zero-interest deferred loan assistance. The funds can be applied toward down payment or closing costs and are repayable only upon sale, refinance, or transfer of the property. Applicants must complete a homebuyer education course and meet credit and income requirements. This program is especially valuable for buyers in Tampa suburbs like Brandon and Riverview, where prices continue to rise in 2025.
City of St. Petersburg Down Payment Assistance
St. Petersburg provides up to $75,000 for down payment and closing costs. The assistance is structured as a zero-interest deferred loan, fully forgivable after ten years of continuous occupancy. With St. Pete’s housing market experiencing double-digit growth in 2025, this program remains essential for keeping long-term residents in their communities despite rising costs.
Pinellas County Housing Finance Authority Program
Pinellas County provides $12,000 in assistance as a deferred loan with no monthly payments. The funds can be paired with affordable fixed-rate financing, making homeownership more accessible for first-time buyers. This program may not provide as much support as some city-level initiatives, but in 2025 it continues to be one of the most reliable florida down payment assistance programs for households purchasing in Clearwater and Largo.
Hernando County SHIP Assistance
Hernando County offers up to $50,000 in support through a deferred, zero-interest loan. Forgiveness terms apply when buyers meet long-term residency requirements, helping to stabilize neighborhoods. With median home prices in Hernando around $285,000 in 2025, this program often provides enough assistance to cover nearly the entire down payment, making it one of the region’s most impactful initiatives.
Pasco County Assistance Program
Pasco County provides support through SHIP funds that typically range from $15,000 to $40,000 depending on income. Assistance is structured as a deferred loan with no interest, and forgiveness applies after maintaining the property as a primary residence for a set number of years. With Wesley Chapel and Land O’ Lakes rapidly expanding, this program is critical for ensuring families have affordable access to homes in one of Florida’s fastest-growing counties.
Stretching from Jacksonville on the Atlantic to Pensacola on the Gulf, North Florida and the Panhandle mix fast-growing suburbs with long-established communities. Prices are generally lower than South Florida, but in 2025 many buyers still struggle to save enough cash for closing. That is why florida down payment assistance programs in these counties are so important. The options below include forgivable and deferred loans, targeted city initiatives, and county SHIP resources that help households become homeowners sooner.
City of Jacksonville Down-Payment Assistance Home Ownership Program
Jacksonville offers up to $25,000 to help first-time buyers cover down payment and closing costs, typically up to 75 percent of the total amount needed at the table. Assistance is provided as a deferred, zero-interest second mortgage that requires no monthly payment and becomes partially forgivable with longer occupancy. Applicants must complete homebuyer education, contribute a modest amount of their own funds, and purchase within Duval County limits. In a market where prices have climbed steadily, this program keeps ownership within reach through florida down payment assistance programs.
Duval County SHIP Purchase Assistance
Duval County administers State Housing Initiatives Partnership funds to help income-eligible buyers with upfront costs. Support levels are set by household income and can be combined with fixed-rate primary financing to reduce total cash to close. Assistance is structured as a deferred second mortgage with no interest, and forgiveness is available after meeting occupancy requirements. Families purchasing in Jacksonville neighborhoods often pair this with statewide options for even greater savings, showing how florida down payment assistance programs can be layered effectively.
St. Johns County Homeownership Assistance Program
St. Johns County provides down payment and closing cost help for first-time buyers who meet income and purchase price limits. Funds are typically delivered as a zero-interest, deferred loan recorded as a subordinate mortgage. Because St. Johns has experienced rapid appreciation around St. Augustine and the beaches, this support fills the gap for households that qualify on income but lack cash reserves. Education requirements apply, and combining county aid with state programs is common in 2025, maximizing florida down payment assistance programs for coastal buyers.
Clay County SHIP Down Payment Assistance
Clay County uses SHIP resources to provide assistance that may include down payment, closing costs, and modest repair items required by underwriting or inspections. Support is generally structured as a deferred, zero-interest second mortgage with forgiveness after a period of compliant occupancy. With ongoing growth in Orange Park, Middleburg, and Green Cove Springs, this option helps local families compete without draining savings. It remains a practical entry point among florida down payment assistance programs for Northeast Florida buyers.
Nassau County SHIP First-Time Homebuyer Assistance
Nassau County’s SHIP program offers income-based assistance for households purchasing a primary residence in communities like Yulee and Fernandina Beach. Funds are commonly issued as deferred loans that require no monthly payments and may be forgiven after long-term occupancy. Because demand has risen near the Georgia border and along the coast, this program helps bridge the gap between savings and what is required to close. Education and counseling ensure buyers are prepared to sustain ownership, a hallmark of responsible florida down payment assistance programs.
City of Tallahassee Down Payment Assistance
Tallahassee’s program supports eligible first-time buyers with funds for down payment and closing costs on homes inside city limits. Assistance is typically a deferred, zero-interest second mortgage with partial forgiveness after a set period. With a large student and state-employee population, Tallahassee has unique affordability challenges, and this initiative provides stability by helping residents build equity. Many participants also consult the Doce Mortgage Group’s Mortgage Calculator to model scenarios while exploring florida down payment assistance programs.
Leon County SHIP Purchase Assistance
Leon County complements the city’s offering with SHIP-funded help for qualified households purchasing in unincorporated areas or within partner municipalities. The assistance supports down payment and closing costs through deferred, zero-interest loans that become forgivable after meeting occupancy milestones. Homebuyer education is required, and property standards must be met to protect long-term value. For families seeking stability near employment centers and schools, this remains a trusted option within florida down payment assistance programs in 2025.
Escambia County HFA Homeownership Program
The Escambia County Housing Finance Authority pairs affordable fixed-rate first mortgages with down payment assistance for buyers in Escambia and a network of participating Florida counties. The assistance is commonly delivered as a second mortgage used specifically for down payment or closing costs. Because the HFA model focuses on long-term affordability and standardized guidelines, it is widely used by first-time buyers in Pensacola and surrounding communities. It continues to be a reliable part of florida down payment assistance programs along the Panhandle.
City of Pensacola ARPA Down Payment Assistance
Pensacola allocates American Rescue Plan Act funds to provide up to $30,000 for down payment and closing costs to income-eligible buyers within city limits. The support is structured as a deferred loan with no interest and no monthly payments, designed to stabilize neighborhoods and expand access to ownership. Because ARPA dollars are finite, timelines and availability can vary, so households are encouraged to apply promptly. This remains a highly impactful tool among florida down payment assistance programs in 2025.
Pensacola and Escambia County SHIP First-Time Homebuyers Program
The joint SHIP initiative from the City of Pensacola and Escambia County provides as much as $45,000 for eligible buyers, depending on income tier and need. Assistance is a deferred, zero-interest second mortgage that removes the monthly burden and supports stable ownership. Participants must complete HUD-approved education and purchase within set price limits. In a region where prices are rising but remain comparatively affordable, this program is a cornerstone of florida down payment assistance programs for local families.
City of Panama City First-Time Homebuyers Program
Panama City supports buyers with significant assistance that may reach $50,000, helping cover down payment and closing costs through a deferred second mortgage. Applicants complete counseling and must meet income and purchase price limits. The program aims to rebuild and strengthen neighborhoods by promoting sustainable homeownership. Many households also review zero-down options like the Doce Mortgage Group’s HomeZero program while comparing florida down payment assistance programs to find the best overall fit for their budget.
Bay County SHIP First-Time Homebuyer Assistance
Bay County’s SHIP program provides flexible support that can include down payment, closing costs, and certain small repairs needed to close. Funds are usually offered as deferred loans with no monthly payments and are forgiven after long-term, compliant occupancy. With continued growth in communities like Lynn Haven and Callaway, this program helps local residents stay competitive without draining savings. It remains a dependable element of florida down payment assistance programs in the central Panhandle.
Santa Rosa County SHIP Homebuyer Assistance
Santa Rosa County offers SHIP-funded assistance to first-time buyers purchasing a primary residence in areas such as Milton, Pace, and Gulf Breeze. The support is typically structured as a zero-interest, deferred second mortgage, with forgiveness after meeting occupancy requirements. Rising demand near military installations and coastal amenities has made saving for a down payment challenging, so this program fills a crucial gap. It is frequently paired with statewide options to leverage multiple florida down payment assistance programs together.
Okaloosa County SHIP Down Payment Assistance
Okaloosa County helps eligible households with down payment and closing costs on homes in communities like Fort Walton Beach, Niceville, and Crestview. Assistance is a deferred, zero-interest second mortgage that eases the burden at closing and promotes long-term stability. Education and inspection requirements help buyers make informed decisions and protect their investment. With steady job growth in the region, this program remains a practical way to access florida down payment assistance programs in 2025.
Walton County SHIP Homeownership Support
Walton County provides SHIP assistance for income-eligible buyers seeking homes from DeFuniak Springs to the fast-growing 30A corridor. Funds are delivered as deferred loans that require no monthly payments and become forgivable after sustained occupancy. Given the premium pricing along Scenic Highway 30A, this county resource is often the deciding factor for local workers hoping to live near where they work. It fits well within the broader ecosystem of florida down payment assistance programs along the Gulf Coast.
Southwest Florida and the Treasure Coast cover some of the fastest-growing housing markets in the state. Naples, Fort Myers, and Port St. Lucie are in high demand in 2025, and with that demand comes higher prices. For many families, florida down payment assistance programs in these counties make the difference between renting and owning.
Lee County FirstPlus Program
Lee County’s FirstPlus initiative offers up to $10,000 in assistance for first-time buyers. The support is provided as a deferred, zero-interest loan that requires no monthly payment and is due only if the home is sold, refinanced, or transferred. In Fort Myers and Cape Coral, where median prices are pushing above $400,000, this program is often enough to help buyers cover the last portion of their down payment or closing costs, making homeownership possible sooner.
Lee County CDBG Assistance
Through Community Development Block Grant funding, Lee County provides up to $75,000 for down payment or closing costs. The loan is structured as deferred with no interest and is forgivable after five years of continuous occupancy. This program targets low- and moderate-income households and remains one of the largest sources of assistance in the region. In 2025, with continued growth in Cape Coral, it is a major contributor to affordable ownership.
Lee County HOME Program
The HOME program in Lee County offers up to $24,500 in assistance, often equal to around 10% of the purchase price. Funds are provided as a deferred loan with zero interest, forgivable on a prorated basis after a decade. Applicants must attend a HUD-approved homebuyer course. This program remains one of the most reliable florida down payment assistance programs for households buying in Fort Myers or surrounding areas.
Collier County SHIP Assistance
Collier County offers up to $10,000 for essential service personnel, such as teachers and healthcare workers, and larger amounts for households who qualify under lower income limits. Assistance is provided as a zero-interest deferred loan with forgiveness after long-term occupancy, sometimes up to 30 years. With median home prices exceeding $650,000 in Naples, this program plays a vital role in helping local workers remain in the community.
City of Marathon Homebuyer Assistance
The City of Marathon in the Florida Keys provides up to $20,000 in deferred loan assistance for qualified buyers. The loan is forgivable over 30 years if the property remains the buyer’s primary residence. In a market dominated by tourism, where housing costs often outpace incomes, this program helps local families establish long-term stability. It is a smaller program but one of the most impactful in Monroe County.
Manatee County Housing Finance Authority Program
Manatee County’s HFA program provides $15,000 in deferred loan assistance. Buyers can pair the support with a fixed-rate first mortgage and may also qualify for a mortgage credit certificate, reducing annual federal tax liability. With Bradenton and Lakewood Ranch growing quickly, this program has become a critical part of florida down payment assistance programs in the region, especially for families trying to stay ahead of rising housing costs.
St. Lucie County Attainable Housing Grant
St. Lucie County offers up to $2,500 as a direct grant to help cover closing costs. Unlike many other options, this support never requires repayment. For families in Port St. Lucie, where the median home price is now around $350,000, this smaller grant often provides just enough assistance to close successfully. It continues to be a vital program for buyers who need final cost support without taking on additional debt.
Martin County SHIP and HOME Support
Martin County combines state SHIP funds and federal HOME allocations to provide flexible assistance for down payment and closing costs. Depending on household income and property type, families can access more than $25,000 in total support. Assistance is structured as deferred loans with forgiveness after long-term occupancy. In Port Salerno, Stuart, and Jensen Beach, where demand remains strong in 2025, this program helps families remain in their communities.
Indian River County SHIP Homebuyer Assistance
Indian River County provides income-based assistance that may range from $15,000 to $40,000, depending on need and household size. The program is structured as a deferred second mortgage with zero interest, forgivable after meeting required residency terms. In a county where Vero Beach continues to attract retirees and second-home buyers, this program provides local families with an affordable path to ownership.
Sarasota County Purchase Assistance
Sarasota County offers a variety of homeownership support through SHIP and HOME funds, typically ranging from $15,000 to $30,000. The loans are deferred, interest-free, and forgivable after occupancy requirements are met. In Sarasota, where median prices have surpassed $500,000 in 2025, this program provides essential relief for households trying to remain in the area while competing with higher-income buyers.
What credit score is required for most florida down payment assistance programs?
Most statewide programs require a minimum of 640, while some local programs may allow slightly lower if other criteria are strong.
Can these programs be combined?
Yes, in many cases state-level programs can be layered with city or county-based programs. Buyers should always confirm eligibility and repayment terms before combining options.
Are these programs only for first-time buyers?
While most are designed for first-time homebuyers, there are exceptions for military families, essential workers, or those purchasing in specific revitalization areas.
How long do I need to stay in the home?
Forgivable programs usually require occupancy between five and twenty years. If you sell too early, you may have to repay some or all of the assistance.
Navigating 67 different florida down payment assistance programs can be overwhelming, and many buyers miss opportunities simply because they don’t know which ones apply. The Doce Mortgage Group specializes in matching clients with the right program for their financial situation, saving thousands at the closing table.
Their unique HomeZero program provides an even more powerful option: eliminating the down payment altogether. Whether you qualify for statewide aid, city-level funds, or the HomeZero solution, the team ensures your purchase is as affordable as possible.
You can also explore resources like the Mortgage Calculator to understand payment scenarios, start your application through Our Application portal, or Get a Free Quote directly online.
Dozens of families across Florida have already reached affordable homeownership with help from The Doce Mortgage Group. You can see what past clients have to say by reading verified reviews. Their stories highlight how down payment support combined with expert guidance turns what feels impossible into reality.
Call Today at 305-900-2012 to start your path toward affordable ownership with the right florida down payment assistance programs.
Down Payment Assistance Programs by The Doce Mortgage Group are increasing the path to homeownership for many Americans. These programs are particularly beneficial for low- and moderate-income individuals who find the upfront costs of buying a home daunting. Down payment assistance programs in Florida provide much-needed financial assistance, making homeownership a realistic and attainable goal.
One of the biggest hurdles for potential homeowners is the down payment, a significant portion of the home’s purchase price. DPA programs in Florida are designed to alleviate this burden through grants and favorable loan terms. These grants, typically provided by non-profit organizations or government agencies, do not need to be repaid, offering a significant advantage to first-time homebuyers.
For those who require additional assistance, down payment assistance programs in Florida also offer loans with more favorable terms than standard mortgage loans, such as lower interest rates or extended repayment periods. Some of these loans are even forgivable under certain conditions, like residing in the home for a specified duration.
Find out how much you can borrow, find the best program for your situation, get a rate quote.
Choose this option if you’re ready to apply for your loan today. We’ll walk you thru each step and issue a pre-approval within 24 hours.
Understanding and navigating DPA programs can be complex, which is why The Doce Mortgage Group provides professional loan officers to guide applicants through the process. They help clarify eligibility criteria, which can include household income limits, credit score requirements, and the property’s type and location. This personalized assistance ensures that applicants find the program that best fits their needs and maximizes their chances of approval.
By leveraging these DPA programs, homebuyers can significantly reduce the financial strain of purchasing a home and embark on their homeownership journey with more confidence and stability.
Yes. You can combine an FHA loan with Florida down payment assistance programs such as the Hometown Heroes Program, Florida Assist (FL Assist), or Florida Plus Second Mortgage. These programs help cover your down payment and closing costs through grants or low-interest second loans.
To qualify, most programs require income limits, minimum credit scores, and often first-time homebuyer status(unless you’re a veteran or eligible community worker).
The Doce Mortgage Group can help you determine which FHA down payment assistance programs you qualify for in your area.
Florida offers grants, deferred second mortgages, and forgivable loans to help cover down payment and closing costs. Programs like Hometown Heroes, Florida Assist, and Florida Plus can be combined with FHA, VA, or conventional loans.
The Doce Mortgage Group helps homebuyers choose the best program for their needs, including our HomeZero program that allows for FICO scores as low as 600 and has no income limitations.
To qualify for down payment assistance, most programs require that you be a first-time homebuyer, purchase a primary residence, and meet certain income and credit requirements. Some programs also target specific professions such as teachers, healthcare workers, or veterans. Our HomeZero program is designed for non first-time home buyers and has no income limitations.
A first-time home buyers program works by offering benefits like lower down payments, grants, forgivable loans, or reduced interest rates. These programs are designed to make it easier for new buyers to purchase a home by lowering upfront financial barriers.
A down payment assistance program helps homebuyers cover upfront costs such as the down payment and closing expenses. Assistance is typically offered through grants, forgivable loans, or deferred second mortgages provided by state or local housing agencies. These programs make homeownership more affordable by reducing the cash needed at closing.
The Doce Mortgage Group helps Florida buyers find the best assistance programs based on their credit, income, and loan type.
The first-time home buyer programs in Florida include state-backed assistance like the Hometown Heroes Program, HomeZero, Florida Housing’s First Time Homebuyer Program, and federally supported options like FHA, VA, and USDA loans. These programs are designed to help residents secure affordable housing.
The amount of down payment assistance you can receive in Florida depends on the program and loan type. Most programs offer between 3% and 5% of the loan amount, or up to $35,000 in aid for qualified borrowers.
Programs like Hometown Heroes, Florida Assist, and Florida Plus can help cover down payment and closing costs.
The Doce Mortgage Group can calculate exactly how much assistance you may qualify for based on your income, location, and credit profile.
No. While many programs target first-time buyers, some also help repeat homeowners. The Doce Mortgage Group’s HomeZero Program is available to non–first-time buyers, allows FICO scores as low as 600, and has no income limits, making it one of Florida’s most flexible options.
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Find out how much you can borrow, find the best program for your situation, get a rate quote.
Choose this option if you’re ready to apply for your loan today. We’ll walk you thru each step and issue a pre-approval within 24 hours.
