Florida Homebuyer Programs
You may qualify for more help than you think. Explore programs designed for Florida buyers.
Explore ProgramsFlorida Hometown Heroes
Designed for Florida's community workforce — teachers, nurses, first responders, and more. Lender-specific options may offer 100% financing with no down payment required.
- Designed for teachers, nurses, firefighters, law enforcement & more
- Lender-specific 100% financing options available
- Competitive interest rates
- Available statewide in Florida
Home Possible
Freddie Mac's affordable mortgage option for low-to-moderate income buyers. Flexible credit requirements and reduced mortgage insurance.
- As low as 3% down payment
- Flexible credit score requirements
- Reduced mortgage insurance
- Income limits apply
FHA Loans
Government-backed loans with flexible credit requirements. One of the most popular options for first-time buyers in Florida.
- Only 3.5% down payment required
- Credit scores as low as 580
- Government-backed security
- Available for primary residences
VA Loans
Exclusive benefit for veterans, active-duty service members, and eligible surviving spouses. No down payment, no PMI.
- 0% down payment — no PMI
- Competitive interest rates
- For veterans, active duty & eligible spouses
- No loan limits for eligible borrowers
USDA Loans
Zero down payment option for buyers in eligible rural and suburban Florida areas. Income limits apply.
- 0% down payment in eligible areas
- Low mortgage insurance rates
- Income limits apply
- Many Florida suburbs qualify
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