Up to 5% of your loan amount for down payment and closing costs. For Florida community workers.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Up to 5% of first mortgage for DPA and closing costs
- 0% interest, deferred second mortgage (repaid at sale, refi, or payoff)
- Must be a first-time buyer (3 years without ownership)
- Must be employed full-time by a Florida-based employer
- Income limit: does not exceed $150,000 (2026)
- All 67 Florida counties eligible
- Available with FHA, VA, USDA, and conventional first mortgages
- Homebuyer education course required
- Must use a participating FL Housing-approved lender