Florida Hometown Heroes

Claim UP To $35,000 in

Down Payment Assistance!

🏡 Ready to OWN A HOME?

Claim UP To $35,000 in Down Payment Assistance

Complete Survey To Know If You Qualify

Are you a Teacher, Nurse, Firefighter, Veteran, or Essential Worker in Florida dreaming of owning a home?

The Florida Hometown Heroes Program makes it easier than ever to turn that dream into reality—with up to $35,000 in down payment and closing cost assistance for eligible buyers.

🏡 Florida Hometown Heroes

Down Payment Assistance Program Allows Heroes to Get

Up to $35,000 in Help for First-Time Homebuyers

🔎 Want to Know If You Qualify?

Take 60 seconds to see how much you could get!

Let’s find out how close you are to owning your Florida home!

👉 Claim Up To $35,000 in Down Payment Assistance

🏡 Florida Hometown Heroes Down Payment Assistance

Up to $35,000 in Help for Frontline Workers and First-Time Homebuyers

Are you a teacher, nurse, firefighter, veteran, or essential worker in Florida dreaming of owning a home?

The Florida Hometown Heroes Program makes it easier than ever to turn that dream into reality—with up to $35,000 in down payment and closing cost assistance for eligible buyers.

✅ How to Apply for Florida Down Payment Assistance

1️⃣ Work With a Participating Lender and Real Estate Professional

Not all lenders offer Down Payment Assistance (DPA), and not all real estate agents know how to negotiate DPA deals.
Choose a lender approved by Florida Housing Finance Corporation or your local municipality.
Partner with an agent who’s experienced in using down payment programs.

2️⃣ Get Pre-Approved

Find out how much you can borrow, which programs you qualify for, and what homes are within reach.
A strong pre-approval strengthens your offers and streamlines the process.

3️⃣ Complete a Homebuyer Education Course

Usually completed online in 6–8 hours.
Required before DPA funds are released.

4️⃣ Submit Your Paperwork & Sign Contracts

Your lender will guide you through the required DPA documentation.
Your real estate agent will negotiate and ensure your offer aligns with your loan terms.

At The Opulent Group, we're dedicated to making home ownership a reality. With expert knowledge of the down payment assistance programs available, we can guide you every step of the way. Buy your new home with confidence and ease.

✅ No Need To Save 20% ✅ Receive Up to $35,000 Assistance ✅ 0% Interest Loan

✅ NO Cost To Apply ✅ Covers Down Payment & Closing Costs
✅ Receive Professional Guidance

Frequently Asked Questions

❗Florida DPA Myth-Busting

❌ “Down Payment Assistance is only for low-income buyers.”
✅ Many programs help middle-income buyers—some go up to 120% of the Area Median Income (AMI).

❌ “DPA makes my loan more expensive.”
✅ The right lender can help you lower your out-of-pocket costs without significantly raising your monthly payment.

❌ “It’s hard to qualify.”
✅ If you have decent credit and haven’t owned a home in 3 years, you may be eligible—especially if you’re a frontline worker.

What is the Maximum Income Limit To Qualify?

💵 Depending on which county you are buying in Florida - Income within local program limits are typically on Average of $132,900-$178,950 or less).

Is the Interest Rate Higher?

👉 Eligible full-time workforce, employed by a Florida-based employer can receive lower than market interest rates on an FHA, VA, RD, Fannie Mae or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.

Do I Have To Pay The Money Back?

💡Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage.

💡This second mortgage becomes due and payable, in full, ONLY upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

What If I Owned A Home Before, Do I Still Qualify?

🎯Yes, if you owned a home in the past but it's been 3 Years since you haven't owned a home, you are again considered a First-time homebuyer (no homeownership in past 3 years – some exceptions apply).

How Much Down Payment Assistance Money Can I Get?

💵 Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

How do I get started?

✅ Just fill out the quick survey and book your pre-qualification call. We’ll make sure you know the steps to get pre-approved for Florida Down Payment Assistance. No strings attached. 👉 https://florida-downpaymentassistance.com/survey-down-payment-assistance

Testimonials

I can't believe how easy it is to qualify for down payment assistance! It has changed my entire life now that I own my first home! Thank you for all of your help! I wouldn't have been able to do it without you Normalina!

Jeffrey W.

WHY DID I TAKE SO LONG?
To think I could have bought my home years ago...before I renewed my lease! I would have saved thousands of dollars. Now I am paying my own mortgage instead of my landlord's mortgage!! Thank you for not keeping this down payment assistance program a secret Normalina! I'm so glad I met you, you helped me every step of the way and showed me how easy it is to be a home owner! Thank You Normalina.
I LOVE MY HOME!

Suzanne M.

Hometown Heroes Testimonies
Florida Housing is proud to assist hardworking Floridians on the path to homeownership through a variety of assistance, including the Hometown Heroes program! This year, we are excited to share a new video series highlighting some of the families who have used this program to purchase their first home.
Click below to hear how Hometown Heroes down payment assistance has impacted many Floridians !

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This program is administered by the Florida Housing Finance Corporation and may vary by county. Income and credit restrictions apply. The Opulent Group is not a lender but works in partnership with approved lenders to guide you through the process.