DeferredCollier County
Collier County SHIP Purchase Assistance
Deferred second loan · First-time homebuyers · Income limit 120% of area median income
Names: teachers, first responders and healthcare workers · Homebuyer class required
See details →Programs by situationPrograms by situation · Florida
Down payment assistance for teachers and school staff in Florida
2 programs name teachers and school staff: 1 county program, 1 statewide.2 programs in Florida name teachers and school staff among the groups they serve: 1 run by a county and 1 open statewide.
Naming a group is one eligibility rule among several. Each program also sets an income limit, a price cap, an occupancy rule and a credit requirement. Being a teacher puts a program on this list; it does not decide whether you can use it.Each program below also sets its own income limit, purchase price cap, occupancy rule and credit requirement. Being a teacher gets a program onto this list; it does not decide whether you can use it.
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The 2 programs, closest first
From a single county out to the whole state
Listed A–Z within each group, not ranked.A city program covers homes inside that city; a county or regional program, homes in its area; a statewide program, an eligible home anywhere in Florida. Listed A–Z within each group, not ranked.
In a Florida city 0 programs
No Florida city program names teachers and school staff. 62 cities run a program of their own.No Florida city program names teachers and school staff in its record. 62 Florida cities run a program of their own, open to eligible homebuyers whatever their work or service. Browse Florida cities →
In one county 1 program
For homes anywhere in the county or the counties namedAnywhere in Florida 1 program
Can sit alongside a city or county program where both allow itUp to $35,000
Florida Hometown Heroes
Deferred second loan · First-time homebuyers
Names: veterans, active-duty service members, reservists, teachers, first responders and healthcare workers · Homebuyer class required
See details →Nationwide 2 programs · not in the 2
Nationwide: 2 more, not in the 22 nationwide programs that also name teachers and school staff, each with its own area and eligibility rules
What to know
What the 2 records say
From each program’s own record. The agency decides who can use it.Counted from each program’s own record. A program’s agency decides who can use it.
- 2 of 2
ask for a homebuyer education class.
- 2 of 2
are limited to first-time homebuyers, as each program defines it.
- 2 of 2
name an FHA, VA, USDA or conventional loan they can be paired with.
Free help in FloridaFree help in Florida
99 HUD-approved counseling agencies in Florida99 HUD-approved housing counseling agencies in Florida
All 2 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets.All 2 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can walk you through every rule a program sets, including the ones that have nothing to do with being a teacher. Create a free account to see who’s near you.
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More of Florida’s programs
Questions, answered
Does being a teacher mean I can use these programs?
No. These programs name teachers and school staff in their eligibility rules, which is why they are grouped here, but every program also sets income limits, purchase price caps, credit and occupancy requirements. Membership in a group is one rule among several.
Why are nationwide programs listed separately?
A nationwide program is not one of Florida’s own, so it is listed below the 2 Florida programs and not counted in them. Each one sets its own area and eligibility rules; its page has the details.
Is Hey Prescott a lender?
No. Hey Prescott is an educational directory of down payment assistance programs. We list programs and link to official sources; we do not make loans or give individualized lending advice.
Programs and counts: Hey Prescott program records, each verified with its administering agency (June–July 2026). Counselors: HUD housing counseling agency list. Hey Prescott is not a lender.