Florida · Low-interest loan

Florida HLP

$10,000

$10,000 at 3% interest, repaid over 15 years.

Florida's HLP (Homebuyer Loan Program) provides up to $12,500 in DPA as a deferred second mortgage at 0% interest. No monthly payments are required — the loan is repaid only upon sale, refinance, or transfer. HLP provides more than Florida Assist's $10,000 while maintaining the same simple deferred structure.

Amount$10,000

TypeLow-interest loan

Available inFlorida

First-time buyer requiredYes

Minimum credit score640

Multi-unit eligibleYes — 1-4 units

House-hack eligible

This program can be used on 1-4 unit properties. Live in one unit, rent the others.

Programs that pair with this

FHA Loan Saves ~$33,000 on a $200K home vs 20% down

Federal · Subsidized loan

VA Loan $0 down + no monthly mortgage insurance

Federal · Federal benefit

NACA Program $0 down + $0 closing + $0 PMI + below-market rate

National · Nonprofit program

Florida Hometown Heroes $35,000

Florida · Deferred 0% loan

Florida Assist $10,000

Florida · Deferred 0% loan

Florida 3-4-5% Forgivable Loan $10,000

Florida · Forgivable loan

All Florida programs →

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