Florida First-Time Homebuyer Programs (2026)

Florida offers various programs to assist first-time homebuyers with down payments and closing costs through 30-year fixed-rate mortgages and second loans, often deferred or forgivable. Eligibility typically requires income and purchase price limits, credit score minimums, homebuyer education, and using approved lenders. Programs include deferred second mortgages with 0% APR, forgivable loans, and local assistance in many counties. Some target specific professions or areas, with income limits usually below 80% of the area median.