Below-market interest rates plus down payment assistance through Florida Housing Finance Corporation.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Below-market interest rates
- Reduced mortgage insurance (MI)
- Combine with FL Assist ($10,000) or Hometown Heroes (up to 5%)
- HFA Preferred (Fannie Mae) and HFA Advantage (Freddie Mac)
- First-time buyer requirement (3-year rule)
- Income and purchase price limits by county
- Must use FL Housing-approved lender
- 30-year fixed rate mortgage