Local layer
2 locked city and county paths
Municipal and county assistance paths stay locked until paid access.
Florida program
Florida Hometown Heroes Program
Florida route through Florida Housing Finance Corporation. Use this page to confirm the core structure before you decide whether deeper workspace tools are worth opening.
Deferred second mortgage
Repay later on trigger
2026-04-12
Agency
Florida Housing Finance Corporation
Support type
Deferred second mortgage
Amount highlight
Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance.
Last verified
2026-04-12
Decision-ready public facts
What this program appears to offer
Quick answer from published facts. Go to Florida program hub
Amount
Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance.
Type
Deferred second mortgage
Deferred second mortgage
Repayment
Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
First-time buyer
Required
Program guide
What to know before you click through
Use the public facts first. Open the official source when a detail affects eligibility, repayment, or lender choice.
Who qualifies?
Health care workers, School staff members, First responders, Public safety employees, Court employees, Child care workers, Veterans and active-duty military
What support do you get?
Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance.
Do you repay it?
Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
How do you apply?
Apply through a Florida Housing participating loan officer using the official lender locator.
Official source evidence
The Florida Hometown Heroes Housing (HTH) Program makes homeownership affordable for eligible workforce occupations. This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. Borrowers can receive up to 5% of the total first mortgage loan amount (maximum of $35,000/minimum of $10,000) in funds towards down payment and closing cost assistance. Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable. Eligible Borrowers who meet the occupational requirements, work full time, and are currently employed by a Florida-based employer can receive competitive market interest rates on an FHA, VA, RD, and Conventional first mortgage, reduced upfront fees, no origination points or discount points and down payment and closing cost assistance.
Last verified
2026-04-12
HTH 2025 Program
Decision Pack
Deeper opportunities in this state
This state also has 5 deeper opportunities beyond the statewide program layer.
5 deeper opportunities available
Includes city and county paths, specialty and conditional paths.
What unlocks
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Specialty layer
3 locked specialty and conditional paths
Conditional and specialty paths stay separated from the free statewide layer.
Private workspace
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Saved scenario
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