Florida First-Time Home Buyer Programs
Buying your first home in Florida? You may qualify for thousands in down payment assistance plus low down payment loan programs. Our loan officers will walk you through every option — from Florida Hometown Heroes to FHA — and help you pick what saves you the most money.
First-Time Buyer Programs
- ✓ Florida Hometown Heroes — up to $35K down payment assistance for teachers, nurses, first responders, and more
- ✓ FHA loans — 3.5% down, flexible credit requirements
- ✓ Conventional 97 — 3% down, no income limits
- ✓ USDA loans — $0 down in eligible rural Florida areas
- ✓ VA loans — $0 down for veterans (first-time or not)
Do You Qualify?
Most first-time buyer programs require a credit score of 640+ and income within county limits. We'll check your eligibility for free.
Check My EligibilityWhat Counts as a First-Time Buyer in Florida?
You're considered a first-time buyer if you haven't owned a primary residence in the last 3 years. Veterans and buyers in certain "targeted areas" may also qualify even if they've owned before.
Statewide Coverage
We help first-time buyers across all of Florida — Tampa Bay, Bradenton, Sarasota, Orlando, Jacksonville, Miami, Fort Lauderdale, Cape Coral, Fort Myers, Naples, Gainesville, Pensacola, and beyond.