Florida Hometown Heroes Housing Program

About This Program

The Florida Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance to first-time homebuyers (veterans exempt from first-time requirement) employed full-time by a Florida-based employer in an approved occupation including teachers, nurses, first responders, and many other community roles. Income must be at or below 150% of AMI. The assistance is a 0% interest, non-amortizing second mortgage with a 30-year term, not a grant.

This is a deferred second mortgage (0% interest, 30-year term), not a forgivable grant. Due upon sale, refinance, or end of term. Miami-Dade 150% AMI cap is approximately $145,000+ for a household of four. Must be employed 35+ hours/week in an approved occupation.

Key Details

• Up to $35,000 for down payment and closing costs
• For teachers, nurses, first responders, and other community workers
• Veterans exempt from first-time buyer requirement
• Income limit: 150% of AMI (approximately $145,000+ in Miami-Dade for family of 4)
• Deferred 0% interest second mortgage — not a forgiven grant

How to Apply

Deadline: Rolling — while funds available