Florida Hometown Heroes 2025 – Down Payment Assistance

Eligible full-time workers may receive up to 5% of the first mortgage (max $35,000) toward down payment and closing costs.

• Up to $35,000 in assistance (5% cap)

• 0% interest second mortgage; repay at sale, refinance, or payoff

• Works with FHA, VA, USDA & Conventional loans

• Statewide program; income and occupation rules apply

Who may qualify:

• You must work full-time in Florida

• Meet income limits by county

• Be an eligible first-time homebuyer under program rules (occupation categories and income caps vary by county)

What I’ll do for you (Carlos Medina, NMLS#2005330):

• Confirm eligibility and county limits

• Compare bond vs. TBA options (rate vs. assistance trade-offs)

• Structure your file (DTI, credit, assets) for approval confidence

• Present a clear cost sheet and game plan