4 2024 年佛罗里达州首次购房者补助金和计划

佛罗里达州的许多居民可能比想象中更接近拥有自己的家园。虽然新闻周期希望人们相信在 2024 年不可能买到房子，但佛罗里达州已经提供了许多援助计划。

当然，重要的是在申请前要了解每个课程的要求，这样才能选择适合自己的课程。幸运的是，可供选择的课程种类繁多。

您已经听说过 FHA 贷款、USDA 贷款和 VA 贷款，它们可以让您更轻松地购买房屋。以下是其他值得探索的计划。

另请参见 最大限度地利用您的 FHA 贷款：佛罗里达州的首付帮助

1) 佛罗里达家乡英雄

The Florida Hometown Heroes Loan Program is designed to provide critical support to Florida’s 首次置业者, Florida based full-time workers who need substantial down payment assistance and favorable loan terms in order to achieve homeownership. This program is a vital initiative aimed at supporting Florida workers by making homeownership more accessible and affordable.

要获得资格，您必须

• 在您工作和服务的社区购买房屋。
• 被佛罗里达州的雇主视为全职员工。
• 符合基于家庭规模和地点的收入限制。
• 信用评分达到 640 分以上。
• 完成购房者教育课程。

如果您符合条件，您可以获得高达 $35,000 美元的首付款和过户费补助。您还将获得低于市场水平的抵押贷款利率。

另请参见 购房者过户费完全指南

2) 迈阿密-戴德宣传信托基金赠款

要获得资格，您必须

• 在迈阿密-戴德县购买一套主要住宅。
• 捐出购房款的 1% 至 3%。具体比例取决于您的收入水平。
• 信用评分达到 640 分以上。
• 完成购房者教育课程。
• 符合基于家庭人口的收入限制。
• 购买符合贷款人资格的房屋。

If you qualify through a first time buyer program, you could receive a $28,500 0% interest no-payment loan for down payment and closing costs assistance. If you live in the home as your main residence for 20 years without changing the property title, the loan will be forgiven. The loan becomes due if you sell the home, making it ideal for buyers looking for a forever home.

3) 家庭准备

In order to be eligible for the Home Ready program you must be willing to purchase a HomePath property. These are Florida properties that Fannie Mae has repossessed and is now selling. In order to qualify you must:

• 符合收入限制。
• 信用评分达到 620 分以上。
• 将房屋作为您的主要住所。

如果获得批准，您将享受 3% 的首付选择，将获得 $500 的过户费抵免，并将获得 3% 的现金捐助以进一步支付过户费。Home Ready 贷款还可享受更低的利率。

4) 家庭可能

要申请 "居家可能 "计划，您必须

• 符合收入限制。
• 信用评分达到 620 分以上。
• 将房产作为您的主要住所。

该计划为固定利率和可调整利率抵押贷款提供优惠的抵押贷款利率和费用。它为首付款和过户费提供了灵活的资金来源，包括馈赠基金、赠款和社区第二计划。核保准则更加灵活，甚至可以包括非自住借款人的收入。

申请首付补助需要帮助？

亚历克斯-多斯 亚历克斯-多斯（Alex Doce）可以指导您选择合适的计划。此外，如果这些计划都不适合您，我们的 零家庭计划 可能是。想了解亚历克斯的客户对与他合作的评价，请访问他的 评论页面.

获取帮助 今天就安排免费咨询.

常见问题

What are the qualifications for a first-time home buyer grant in Florida?

You usually need a credit score at least 640, meet the income limits for your county, complete a home buyer education course, be working with an approved lender, and meet purchase price rules. 

What is the first time homebuyer program in Florida?

It is a set of loans, grants, or help programs made to make buying your first home easier. Some give help with down payment or closing costs. You must follow certain rules about income, credit, and using an approved lender. 

What are the best first time home buyer loans in Florida?

Good loans include 联邦住房管理局, USDA, VA, and programs like HomeZero or the Florida Housing Homebuyer Loan. They often have low down payments or zero down payment, more forgiving credit needs.

How do I find house loans for first time buyers in Florida?

Start by checking with an approved program lender. Look at FHA, VA, 美国农业部, or state homebuyer assistance programs. Compare credit score needed, down payment needed, and income limits in your area. Complete a buyer education course.