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 an FHA loan in Florida
167 programs name FHA loans: 67 city, 87 county or regional, 13 statewide.167 programs in Florida name FHA loans among the first mortgages they can be paired with: 67 run by a city, 87 by a county or regional agency and 13 open statewide.
Two approvals, made separately. The lender underwrites the FHA 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 FHA loan; the assistance program reviews its own application. A program naming FHA 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 167 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 87 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 13 programs
Can sit alongside a city or county program where both allow it- Chenoa Fund FHA 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 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
- 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 Homebuyer Access Grant (Florida)Up to $10,000 · Assistance grant · First-time homebuyers
Nationwide 33 programs · not in the 167
Nationwide: 33 more, not in the 16733 nationwide programs that also name FHA loans, each with its own area and eligibility rules
- American Pacific Mortgage Pathway DPA
- BluePoint Mortgage Zero-Down Home Loan
- Chase Bank Homebuyer Grant
- Chico Rancheria Housing Corporation Homebuyer Assistance
- Confederated Tribes of Grand Ronde Down Payment Assistance
- Direct Mortgage Loans Go Direct FHA 100% Financing
- 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
- Flagstar - Flagstar Gift Program
- Great Nevada Mortgage Middle-Income Downpayment Assistance Grants
- Guild Mortgage 3-2-1 Home Plus Program
- Guild Mortgage MyPath2Own Program
- 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
- National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Deferred Down Payment Assistance Program
- North Fork Rancheria Indian Housing Authority Down Payment Assistance Program
- Northern Circle Indian Housing Authority Down Payment Assistance
- Primary Residential Mortgage Down Payment Program
- Primary Residential Mortgage Inc. Welcome Home Down Payment Assistance Program
- Siletz Tribal Housing Department Down Payment Assistance
- Susan's Savings First Time Home Buyers Program
- Tyndall Federal Credit Union $1,000 Off Closing Cost
- Tyndall Federal Credit Union $450 Closing Cost
- U.S. Department of Housing and Urban Development (HUD) Good Neighbor Next Door
- U.S. Department of Housing and Urban Development (HUD) Section 184 Indian Home Loan Guarantee Program
- U.S. Department of Housing and Urban Development HCV Homeownership Program
- U.S. Department of the Interior Indian Affairs Down Payment Assistance
- All nationwide programs →
What to know
What the 167 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.
- 162 of 167
ask for a homebuyer education class.
- 162 of 167
are limited to first-time homebuyers, as each program defines it.
- 109 · 38 · 16
are deferred second loans, forgivable loans and assistance grants. The other 4 are 2 mortgage credit certificates, 1 other assistance 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
162 of 167 of these programs ask for a homebuyer class. A HUD-approved counselor teaches it and can explain how the assistance and an FHA loan fit together.162 of 167 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 an FHA loan in Florida?
167 programs in Florida name FHA 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 FHA 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.