Grants, forgivable loans, and subsidized mortgages — many Florida buyers qualify for $323,500+ in assistance and don't even know it.
Find your programs →Click any program for full details, eligibility, and how to apply.
Up to $35K for 50+ workforce professions. 0% interest, no monthly payments.
Deferred 0% loanHouse-hack eligible$10,000 deferred second mortgage at 0% interest. No monthly payments.
Deferred 0% loanHouse-hack eligibleBorrow 3-5% of your loan amount. Forgiven completely after 5 years.
Forgivable loanHouse-hack eligible$10,000 at 3% interest, repaid over 15 years.
Low-interest loanHouse-hack eligible$15,000 deferred at 0%. Works on 1-4 unit properties — ideal for house hacking.
Deferred 0% loanHouse-hack eligibleUp to $35,000 interest-free. Shared equity if sold within 6 years.
Deferred 0% loanUp to $28,500 forgivable after 10 years of occupancy.
Forgivable loanUp to $100,000 at just 1% interest for qualifying families.
1% interest loanUp to $80,000. $50/month for first 10 years, then 4% for remainder.
Subsidized loan3.5% down payment with 580+ credit. The most popular first-time buyer loan in America.
Subsidized loanHouse-hack eligibleZero down payment, no PMI for eligible veterans and active-duty service members.
Federal benefitHouse-hack eligibleZero down payment for rural and suburban areas. 97% of US land qualifies.
Subsidized loan3% down with reduced mortgage insurance for low-to-moderate income buyers.
Subsidized loanHouse-hack eligible3% down with flexible funding sources including gifts and employer assistance.
Subsidized loanHouse-hack eligibleNo down payment, no closing costs, no PMI, below-market rate. Character-based lending.
Nonprofit programHouse-hack eligible50% off purchase price for teachers, law enforcement, firefighters, and EMTs.
GrantThere are 9 state-specific programs and 7 federal programs available in Florida, totaling 16 programs.
Not all programs require first-time buyer status. Several Florida programs are available to repeat buyers. 'First-time buyer' means you haven't owned a home in the past 3 years.
Yes. Many DPA programs allow 1-4 unit properties. Live in one unit and rent the others — this is called house-hacking.