Florida Hometown Heroes Loan Program – Helping You Achieve Homeownership
The Florida Hometown Heroes Loan Program is designed to make buying a home more affordable for the people who serve our communities every day. Whether you work in healthcare, education, law enforcement, public safety, child care, or are an active-duty service member or veteran, this program was created with you in mind.
How the Program Helps You
Affordable First Mortgage – You may qualify for a competitive 30-year, fixed-rate mortgage through FHA, VA, USDA, or conventional options.
Down Payment & Closing Cost Assistance – You can receive up to 5% of your loan amount (capped at $35,000, with a minimum of $10,000) in assistance toward your down payment and closing costs.
No 1% Origination Fee – Unlike many loan programs, Hometown Heroes does not allow lenders to charge the typical 1% origination fee. That means thousands of dollars in upfront savings.
Supports Florida Workers – To qualify, you must work full-time for a Florida-based employer with a physical location in the state. Remote-only workers aren’t eligible.
Key Things to Know
First-Time Homebuyer Requirement – Most borrowers must be first-time buyers (no homeownership in the last 3 years), though veterans, active-duty service members, and certain targeted areas may be exempt.
Repayment of Assistance – The down payment assistance is a 0% interest loan. It does not require monthly payments but must be repaid if you sell, refinance, or move out of the home.
Eligible Occupations – A wide range of frontline jobs qualify, including:
Nurses, teachers, EMTs, firefighters, and police officers
School staff and child care workers
Active military, veterans, and many healthcare professionals
Why Consider Hometown Heroes?
This program was created to help hardworking Floridians put down roots in the communities they serve. By lowering upfront costs and offering competitive mortgage options, it gives you a stronger chance to become a homeowner without being weighed down by extra fees.
✅ Tip for Borrowers: Every situation is unique. Income limits, loan limits, and eligibility details vary by county and occupation. Speaking with a participating lender can help you see exactly how much assistance you qualify for.