Buy Your Home with as Little as 3.5% Down

Florida down-payment assistance programs can cover most or ALL of your down payment & closing costs

Popular Florida Down-Payment Assistance Programs

Florida Hometown Heroes

Up to $35,000
For teachers, firefighters, nurses, police, veterans & more.
0% deferred loan · Forgiven after 5 years
Works with FHA, VA, USDA

Florida Assist

$10,000
Available statewide – no special job required.
0% interest · Deferred second mortgage
Stackable with other programs

Miami-Dade HFA Programs

Up to $25,000
Special programs for Miami-Dade County residents.
Income-based · First-time or repeat buyers
Works with most lenders

Broward County H.E.L.P.

Up to $25,000
Homebuyer Equity Loan Program for Broward residents.

Palm Beach County SHIP

Up to $45,000
One of the most generous programs in Florida.

USDA & VA = $0 Down

100% Financing
No down payment required at all for eligible buyers & properties.

Connect With an Elite Down-Payment Specialist

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

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