Every state and county assistance program available to Florida homebuyers in 2026.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Hometown Heroes — up to 5% of loan amount for DPA
- FL Assist — $10,000 second mortgage at 0% interest
- HFA Preferred/Advantage — below-market rates + DPA
- SHIP Programs — county-administered housing funds
- Mortgage Credit Certificate — federal tax savings
- Energy Efficient Mortgages — finance green upgrades
- County DPA Programs — local down payment assistance by county