Up to $35,000 · 0% deferred second
Florida Hometown Heroes
Florida Housing Finance Corporation assistance: 5% of the first mortgage, minimum $10,000, maximum $35,000 in 2026. Not forgiven.
- Who it fits
- First-time Florida buyers and listed professions who meet county income and purchase-price caps.
- Typical down / structure
- Assistance 5% / max $35,000
Hometown Heroes is a Florida Housing Finance Corporation program that can provide a 0% deferred second mortgage equal to 5% of the first-mortgage amount, with a 2026 maximum of $35,000 and a minimum of $10,000. The assistance is not forgiven — it is due when you sell, refinance, or pay off the first mortgage.
Eligible borrowers include many first-time buyers and a list of qualifying Florida professions. Income and purchase-price limits vary by county and by whether the reservation is TBA or Bond.
It can stack with FHA, VA, USDA, or HFA conventional when the first-mortgage investor allows it and the household is under the cap. Funds and reservations open and pause. We check availability before you count on the second.
- 5% of first mortgage, min $10,000, max $35,000 (2026)
- 0% deferred second — not forgiven
- County income and price caps
- First-time and listed Florida professions
This is a Florida Housing program. It does not travel with a DSCR rental in another state.