Apopka · Orange County
City of Apopka SHIP Purchase Assistance
Deferred second loan · 80% of area median income
Programs by loan typePrograms by loan type · Florida
Down payment assistance you can pair with a conventional loan in Florida
184 programs name conventional loans: 67 city, 99 county or regional, 18 statewide.184 programs in Florida name conventional loans among the first mortgages they can be paired with: 67 run by a city, 99 by a county or regional agency and 18 open statewide.
Two approvals, made separately. The lender underwrites the conventional loan; the program reviews its own application, and the lender must also accept the assistance. The loan type is one rule among several.The lender underwrites the conventional loan; the assistance program reviews its own application. A program naming conventional means the two can be combined, and the lender must also accept the assistance as a source of funds. The loan type is one rule among several.
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The 184 programs, closest first
From one city 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 67 programs
For homes inside that city’s limits onlyBoca Raton · Palm Beach County
City of Boca Raton SHIP Purchase Assistance
Deferred second loan · 120% of area median income
Boynton Beach · Palm Beach County
City of Boynton Beach SHIP Purchase Assistance
Deferred second loan · 120% of area median income
Bradenton · Manatee County
City of Bradenton SHIP Purchase Assistance
Deferred second loan · 80% of area median income
Cape Coral · Lee County
City of Cape Coral SHIP Program
Deferred second loan · 120% of area median income
Clearwater · Pinellas County
City of Clearwater Homebuyer Purchase Assistance
Deferred second loan · 120% of area median income
Cocoa · Brevard County
City of Cocoa Purchase Assistance
Forgivable loan · 80% of area median income
Coconut Creek · Broward County
City of Coconut Creek SHIP Purchase Assistance
Deferred second loan · 120% of area median income
In a county or region 99 programs
For homes anywhere in the county or the counties namedAlachua County
Alachua County SHIP Down Payment Assistance
Forgivable loan · 120% of area median income
Multi-county
Apalachee Regional Planning Council SHIP Multi-County Program
Deferred second loan · 120% of area median income
Bay County
Bay County SHIP Purchase Assistance
Forgivable loan · 120% of area median income
Bradford County
Bradford County SHIP Purchase Assistance
Deferred second loan · 120% of area median income
Brevard County
Brevard County SHIP Down Payment Assistance
Deferred second loan · 120% of area median income
Broward County
Broward County Homebuyer Purchase Assistance (HPA) Program
Deferred second loan · 120% of area median income
Calhoun County
Calhoun County SHIP Program
Deferred second loan · 120% of area median income
Charlotte County
Charlotte County SHIP Purchase Assistance
Deferred second loan · 120% of area median income
Anywhere in Florida 18 programs
Can sit alongside a city or county program where both allow it- Chenoa Fund Conventional DPA ProgramDeferred second loan
- Federal Home Loan Bank of Atlanta AHP Set-Aside Homebuyer ProgramAssistance grant · First-time homebuyers
- Federal Home Loan Bank of Atlanta Workforce Housing Plus+Assistance grant · First-time homebuyers
- Florida Assist (FL Assist)Up to $10,000 · Deferred second loan · First-time homebuyers
- Florida HFA Advantage Plus Second MortgageForgivable loan · First-time homebuyers
- Florida HFA Preferred Grant (TBA)Assistance grant · First-time homebuyers
- Florida HFA Preferred Plus Second MortgageForgivable loan · First-time homebuyers
- Florida HLP Second MortgageUp to $10,000 · Repayable second loan · First-time homebuyers
- Florida Hometown HeroesUp to $35,000 · Deferred second loan · First-time homebuyers
- Florida Mortgage Credit Certificate (MCC)Mortgage credit certificate · First-time homebuyers
- JPMorgan Chase Homebuyer Grant (Florida)Assistance grant
- NACA - Neighborhood Assistance Corporation of AmericaFirst mortgage
- National Homebuyers Fund (NHF) GrantAssistance grant
- NeighborWorks Florida Collaborative DPADown-payment assistance · First-time homebuyers
- NHF Sapphire ProgramAssistance grant
- Salute Our Soldiers Military Loan ProgramUp to $35,000 · Deferred second loan
- Wells Fargo Dream.Plan.Home. Closing Cost CreditUp to $5,000 · Assistance grant · First-time homebuyers
- Wells Fargo Homebuyer Access Grant (Florida)Up to $10,000 · Assistance grant · First-time homebuyers
Nationwide 54 programs · not in the 184
Nationwide: 54 more, not in the 18454 nationwide programs that also name conventional loans, each with its own area and eligibility rules
- America First Credit Union 100% No PMI Adjustable-Rate Mortgage
- American Pacific Mortgage 1% Home Program
- American Pacific Mortgage Pathway DPA
- BNY Down Payment Assistance
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Citibank, N.A. HomeRun Mortgage
- Confederated Tribes of Grand Ronde Down Payment Assistance
- CrossCountry Mortgage Community Promise
- CrossCountry Mortgage Smart Start Down Payment Assistance Program
- Empowered DPA Program Down Payment Assistance
- Essex Mortgage 10 Year Amortized 2 Plus
- Essex Mortgage Forgivable/Deferred Program
- Fairway Independent Mortgage Corporation Affordable Housing
- Fairway Independent Mortgage Corporation HOPER's Incentive Program
- First Bank Thrive Mortgage Loan
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 1% Down Program
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage Doctor and Medical Professionals Program
- Guild Mortgage MyPath2Own Program
- Guild Mortgage Zero Down Mortgage Program
- HSBC Bank USA CommunityWorks
- HSBC Bank USA CommunityWorks Opening Doors Home Loan Grant
- Lakeview National Down Payment Assistance Homeownership Program
- Land Home Financial Services, Inc. House2Home Program
- Lennar Mortgage Advantage Plus Program
- Luminate Bank Luminate PATH National DPA Program
- MEP Advantage DPA Program
- NACA Homeownership through Public Housing Assistance (HOT-PHA)
- NACA's New Construction Homes
- NASA FCU $0 Down, No PMI Mortgage Purchase
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- Navy Federal Credit Union Homebuyers Choice Loan
- Navy Federal Credit Union Military Choice Loan
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Northpointe Bank ONE+ Loan Program
- Pathway Homes Essential Workers Program
- All nationwide programs →
What to know
What the 184 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.
- 178 of 184
ask for a homebuyer education class.
- 178 of 184
are limited to first-time homebuyers, as each program defines it.
- 109 · 40 · 30
are deferred second loans, forgivable loans and assistance grants. The other 5 are 2 mortgage credit certificates, 1 other assistance, 1 first mortgage and 1 repayable second loan.
Free help in FloridaFree help in Florida
99 HUD-approved counseling agencies in Florida99 HUD-approved housing counseling agencies in Florida
178 of 184 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and a conventional loan fit together.178 of 184 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how an assistance program and a first mortgage fit together, before you talk to a lender. Create a free account to see who’s near you.
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More of Florida’s programs
Questions, answered
Can down payment assistance be used with a conventional loan in Florida?
184 programs in Florida name conventional loans among the loan types they can be paired with. The assistance program and the first-mortgage lender underwrite separately, so a lender must also be willing to accept the assistance as a source of funds.
Does naming conventional loans mean a program is open to everyone using one?
No. The loan type is one eligibility rule among several — income limits, purchase price caps, credit requirements and occupancy rules all still apply, and each program sets its own.
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.