Every down payment assistance program available in Florida — state, county, and national. How to qualify and apply.
Written by Renzo Johnson, Licensed MLO · NMLS #PENDING · Last updated: February 2026
- Hometown Heroes: up to 5% of loan amount, all 67 counties
- FL Assist: $10,000 at 0% interest, deferred
- HFA Preferred/Advantage: below-market rates + DPA
- MCC: up to $2,000/year federal tax credit
- County DPA: 13 major counties offer local programs ($7,500-$100,000)
- National: Good Neighbor Next Door (50% discount for teachers, police, fire, EMS in HUD areas)
- Chenoa Fund, NACA, and other national DPA programs
- Most programs require first-time buyer status (3-year rule)
- Most programs require homebuyer education course
- Programs can often be combined for maximum benefit