2024 年佛罗里达州可提供 8 项基于地点的首付援助计划

You’ve probably already heard of USDA 贷款. They offer a 0% down payment loan to homebuyers willing to purchase homes in certain rural areas.

但是，如果您由于实际原因无法居住在农村地区，或者无法在美国农业部指定的地点找到住房，该怎么办？

佛罗里达州还有其他基于地理位置的购房者计划可能适合您。以下是一些选择。

1) 哈兰代尔海滩首次购房者补助金

If you are willing to purchase a home in the Hallandale Beach CRA district, you may qualify for up to $50,000 in down payment and closing cost assistance. This type of Florida closing cost assistance is offered as a loan that may be forgiven after ten years.

要获得资格，您必须

• 收入不超过布劳沃德县收入中位数的 120%。
• 首次购房。
• 收入不高于计划限额。
• 信用评分达到 640 分以上。
• 完成 8 小时的住房和城市发展部认证购房者课程。

另请参见 劳德代尔堡首次购房者的 5 项基本提示

2) 自置居所机会补助金计划

如果您的信用评分在 640 分以上，收入低于所在县的限额，并且购买的是符合条件的房产，打算作为主要住所居住，那么您可能有资格获得最高 5% 的贷款总额，您可以将其用于支付首付款或过户费。

提供该计划的县包括

• 布劳沃德
• 夏洛特
• 科利尔
• 德索托
• 李
• 棕榈滩
• 萨拉索塔
• 圣约翰
• 沃卢西亚

您必须在符合条件的县内购买房屋。

3) 邻家好邻居计划

如果您是一名教师、消防员、执法人员或急救医生，愿意住在 住房和城市发展部指定的振兴地区 并计划购买独栋住宅，这可能是适合您的计划。

如果您符合条件，您将从房屋挂牌价中获得 50% 折扣。

4) 居家住房购买者计划

该计划面向埃斯坎比亚县或彭萨科拉县的首次购房者。申请人必须满足收入限制条件，并购买 1978 年后建造的房屋。房屋成本也有限制。您还必须完成购房者教育课程。

如果您符合条件，您将获得 $25,000 美元的延期首付款和过户费零利率贷款。您只需在房屋出售、再融资或还清抵押贷款时偿还贷款。

另请参见 入门级住宅：首次购房者的最佳选择

5) SHIP 首次购房者

If you are a first-time homebuyer who wants to purchase a home in Pensacola or Escambia Counties, then you may qualify for this down payment assistance program. These down payment assistance grants Florida offers can also apply if you haven’t owned a home in the last three years.

To qualify, you must meet income limits, complete a homebuyer education course, and secure a primary mortgage through a participating lender. In Florida, programs offering closing cost grants can provide up to $25,000 in down payment and closing cost assistance, delivered as a zero-interest deferred loan that’s forgiven after 10–15 years as long as you keep the property as your primary residence.

6) 巴拿马城赠款

想在巴拿马城买房？如果您是首次购房者，目标是 $300,000 以下的房产，并且符合收入限制，那么这可能就是适合您的补助金。

在完成购房者教育课程后，您可能有资格获得 $50,000 美元的过户费、首付款和按揭付款补助。如果您将房屋作为主要居所，则可在 10-20 年后获得贷款豁免。

7)敢于拥有梦想

如果您是首次购房者或在过去三年中没有拥有过住房，那么这项计划可能会适合您。您必须在坦帕市范围内购买房产，且该房产必须在限价范围内。该房产还必须通过城市检查。您还需要满足收入限制。

如果您符合该计划的条件，您将获得最高 $40,000 美元的首付款和过户费补助，补助形式为延期付款贷款，在您拥有并居住 10 年后可免除贷款。

8) 东坦帕 CRA 首付补助

如果您是首次购房者，并愿意在东坦帕社区再投资区购房，那么您可以获得 $50,000 零利率贷款，用于支付首付款。如果您的房屋在 7 年内一直是您的主要住所，这笔贷款将被免除。

要获得资格，您必须

• 首次置业。
• 符合收入限制。
• 与参与贷方合作。
• 为您的购买提供至少 $1,000 美元。
• 完成购房者教育课程。

申请首付补助需要帮助？

亚历克斯-多斯 他可以指导您选择合适的项目。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.

此外，如果这些计划都不适合您，我们的 零家庭计划这可能与地点无关。

获取帮助 预约免费咨询 今天。

常见问题

Are there any down payment assistance programs in Florida?

The Florida Hometown Heroes Housing (HTH) Program helps workers in eligible jobs buy a home at a more affordable price. As one of the state’s 首付援助计划, it offers help with both the down payment and closing costs to first-time, income-qualified buyers so they can purchase a primary home in the community where they work and provide services.

What is the $35000 down payment assistance program in Florida?

You may qualify for up to $35,000 to help cover your down payment or closing costs, depending on the size of your loan. These funds can be used in different ways, such as paying your down payment, covering closing costs, or even lowering the total amount you borrow. The program is flexible and works with 联邦住房管理局, VA, USDA, and 传统贷款.

Do I have to repay down payment assistance in FL?

The FL Assist is not forgiven. You don’t have to make payments right away, but the full amount must be repaid if you sell, transfer, or refinance the home, pay off the first mortgage, or move out of the property. Since many borrowers using this program apply through FHA, it’s important to also understand FHA loan requirements before moving forward.

What is the $10,000 grant for first-time home buyers in Florida?

The Florida Own a Home Opportunity Program helps first-time home buyers with up to $10,000 for down payment and closing costs. The exact amount depends on the county where you buy and the type of loan you use.