Buy Your Dream Home with as Little as 3.5% Down

Florida's down payment assistance programs can cover most or all of your down payment and closing costs in 2026

Popular Florida Down Payment Assistance Programs (2026)

Florida Hometown Heroes

Up to $35,000
For teachers, nurses, first responders, veterans & many more essential workers.
5% of loan amount (max $35,000) as 0% deferred second mortgage.
Statewide – stackable with many loans.

Florida Assist

Up to $10,000
Available to most first-time homebuyers statewide.
0% interest deferred second mortgage.
Can often be combined with other programs.

Miami-Dade County Programs

Up to $35,000
County-specific assistance for Miami-Dade residents.
Income-based • First-time & repeat buyers welcome.

Broward County Assistance

Up to $80,000+
Strong county programs including deferred 0% loans.
Higher limits in certain cities (e.g. Weston).

Palm Beach County SHIP

Up to $100,000
One of Florida’s most generous local programs.
Varies by income and availability.

USDA / VA = $0 Down

100% Financing
No down payment required for eligible rural properties (USDA) or veterans (VA).
Combine with assistance for even lower costs.
* Programs change frequently. Amounts and eligibility depend on income, location, and funding availability. Speak with an approved lender for current details.

Connect With an Elite Down-Payment Specialist

These top-rated lenders specialize in 3.5% down + assistance programs

ELITE
Elsy Mantecon
Elsy Mantecon
Elsy Mantecon, Senior Mortgage Lender
Miami Lakes, FL
View Profile
ELITE
Gabriel Demirdjian
Gabriel Demirdjian
Gabriel Demirdjian, Executive Mortgage Broker
Hialeah, FL
View Profile