Down payment assistance · Florida

Buying a home in Florida

188 programs: 26 statewide, the rest run by counties and 62 cities. What you can use depends on where the home is.188 programs across Florida: 26 statewide, the rest run by counties and 62 cities. What you can use depends on where the home is.

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Start with your county

Local help, prices and income limits differ county to county

County	Local programs	Median home value	Area median income (4 people)	Link
Broward	19	$414,600	$102,500	See Broward
Palm Beach	14	$447,300	$107,600	See Palm Beach
Miami-Dade	10	$463,000	$89,800	See Miami-Dade
Brevard	6	$339,600	$97,000	See Brevard
All 67 counties

Home values: Census ACS 2024 5-year. Income: HUD FY2026. Programs: Hey Prescott, verified June–July 2026.

Anywhere in Florida

26 statewide programs

Up to $35,000

Florida Hometown Heroes

Deferred second loan · Income limits · First-time · Veterans · Educators

See details

Up to $35,000

Salute Our Soldiers Military Loan Program

Deferred second loan · Income limits · Veterans

See details

Up to $10,000

Florida Assist (FL Assist)

Deferred second loan · Income limits · First-time

See details

Plus 62 nationwide programs. See them See nationwide programs

Free help from a person

99 HUD-approved counseling agencies in Florida99 HUD-approved housing counseling agencies in Florida

16 of the 26 statewide programs ask for a homebuyer class first. Create a free account to see who’s near you.16 of the 26 statewide programs ask for a homebuyer class first. Create a free account, take the 90-second match, and we’ll show the counselors near you.

Find my counselor

Free account → 90-second match → your counselors

Income limitsIncome limits and price caps in FloridaArea median income for all 67 counties, and the limit each program sets.See the limits

Florida questions

What is Florida Hometown Heroes?

Florida Hometown Heroes, a deferred second loan for first-time homebuyers (income limits), open anywhere in Florida. Its page has the details and a link to the official site.

Which Florida counties run their own programs?

66 counties of 67 have a county or city program listed, among them Broward, Palm Beach, Miami-Dade and Brevard. The table above lists them, and each county page has its own programs.

Do I need a homebuyer class in Florida?

Many programs ask for one. 16 of the 26 statewide programs list a homebuyer education requirement. HUD-approved housing counseling agencies teach them, often for free.

Can I use assistance on a Florida condo?

24 of the 26 statewide programs list condos as eligible. Each program’s page lists the kinds of homes it accepts.