如何在佛罗里达州申请首付补助

想在佛罗里达州买房，但又担心首付问题？有了 DPA 计划 您只需支付 $0 的购房预付款，许多计划还提供额外的优惠，如低信用评分要求、无收入限制、无首次购房要求和可免除贷款条件。

请继续阅读，了解如何在佛罗里达州申请首付补助，包括有哪些项目以及如何运作。

房屋首付是多少？

首付是您在过户时为新房本金支付的金额。它不包含在您的抵押贷款中，这意味着您必须自己拿出现金。

Many lenders require down payments because it lowers their own risk. For a conventional loan, you’ll usually owe 3% to 20% of your home’s purchase price at closing, in addition to other closing costs. Some types of loans offer lower down payment requirements, such as FHA 贷款 and zero-down VA loans.

什么是首付补助？

首期付款援助（DPA）提供贷款或赠款，用于支付购房的首期付款和/或过户费用。

这类计划中一些需要了解的细节包括

• 根据家庭收入、信用评分和购房者身份进行资格审查
• 援助可能仅限于某些地点或物业类型
• 针对美国公民、永久居民和其他合法居民的计划
• 有可能获得较低的利率或可免除的条款

像 DPA 这样的财政援助计划使中低收入购房者更容易获得房屋所有权。您无需在过户时以现金支付房屋价格的 3% 至 20%+ 的金额，而是可以获得第二笔贷款，用于支付全部或部分金额。您甚至有资格获得无需偿还的赠款。

佛罗里达州首付援助计划概述

Which Florida down payment assistance option is right for you depends on where you live, what your current finances are like, and what type of buyer you are, and may be limited based on your lender and the original type of mortgage you take out (FHA, conventional, VA, 美国农业部, etc.).

零主页计划

随着 零主页计划, 您可以获得 100% 贷款，用于购买符合条件的佛罗里达州房屋，过户时无需支付任何费用。可作为赠款或无息二次贷款，用于支付首付款和过户费。无需首次购房，FICO 分数低至 580 分即可申请。

佛罗里达援助二次抵押计划（FL Assist）

佛罗里达援助计划为佛罗里达州首次购房者提供高达 $10,000 美元的首付款援助。该贷款没有利息，只有在您出售、转让或再融资原始贷款时才需要偿还。

佛罗里达州居者有其屋贷款计划（FL HLP）

通过 3% 固定利率的 15 年期贷款，最高可获得 $10,000 美元的首付款补助。如果您在 15 年到期前出售、搬迁、转让或还清房屋，则贷款将全额付清。

HFA 优先贷款

提供 3%、4% 或 5% 的二次抵押贷款，用于支付首付款和/或过户费。支付 10 年后，剩余贷款余额将被免除。

佛罗里达家乡英雄计划

Offers 定金 and closing cost assistance of up to 5% of the original loan for qualifying full-time workers in Florida. Loans are interest-free, with payment deferred until the original loan is paid off, transferred, sold, or refinanced.

逐步指南：如何在佛罗里达州申请首付款补助

第 1 步：评估您的财务状况 审查您的收入、支出和信用评分，以确定您能负担多少房屋，以及您可能需要哪种类型的经济援助才能负担得起。

第 2 步：研究现有计划 - 您可自行探索佛罗里达州现有的 DPA 计划，或向抵押贷款经纪人咨询，以更个性化地了解您可能符合的条件。

第 3 步：获得抵押贷款的预先批准--- 抵押贷款预先批准可确保您了解所能获得的确切融资额 之前 包括任何首付补助。这也会让您成为更有竞争力的买家。请与在 DPA 计划方面经验丰富的贷款机构合作，以确保找到最适合您的方案。

第 4 步：完成购房者教育课程 - 购房者教育课程 佛罗里达州的许多 DPA 计划都要求贷款中至少有一名借款人参加购房者教育课程。

第 5 步：提交您的申请 您可以通过指定的贷款机构或代理机构申请首付款补助。申请前应收集必要的文件，如收入证明和信用报告，并确保所提供的信息完全准确。

获取申请首付补助的帮助

如果您准备买房，但储蓄或支票账户中没有足够的首付款，DPA 计划可能是您需要的救命稻草。

首付援助计划 are incredibly popular in Florida, where each year, many thousands of homebuyers receive grants or loans of up to $35,000 toward the upfront costs of their home purchase. If you want to learn more, contact Alex Doce today for personalized mortgage advice and help searching and applying for down payment assistance in Florida – or fill out a form for a 免费抵押贷款报价.

常见问题

How to qualify for down payment assistance in Florida?

To qualify for a 首期付款援助贷款 in Florida, you usually need to meet income limits, be a first-time homebuyer, and plan to live in the home as your main residence. Most programs also ask you to complete a homebuyer education course and get a mortgage through an approved lender. Some programs may have extra rules based on your credit score or the county where you buy.

How much money do you need for a down payment in Florida?

For a conventional loan, most homeowners need to put at least 5% down. If you choose an FHA loan, the minimum down payment is 3.5%. USDA loans and VA loans don’t require any down payment at all.

What is the maximum FHA loan amount?

FHA sets loan limits in Florida based on 115% of the local median home price, using the national conforming loan limit as the baseline. For 2025, limits range from $498,257 to $1,149,825. One of the key pros of down payment assistance in Florida is that it helps buyers manage these costs and reduce the upfront money needed to qualify.

What is the maximum closing cost on an FHA?

Closing costs for FHA loans usually range from 2% to 6% of the loan amount. These costs can include fees for the appraisal, credit report, title search, lender charges, and mortgage insurance. Some of these expenses can be covered by the seller or rolled into your loan, depending on the agreement with your lender.