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City of Orlando Down Payment Assistance Program

Orlando, Florida

Last verified
See what you qualify forOfficial program site →
Income limit

140% AMI

Of area median income; varies by county and household size

Repayment

Forgivable

Forgiven after 10 years

What is City of Orlando Down Payment Assistance Program?

City of Orlando Down Payment Assistance Program is a forgivable loan for homebuyers in Orlando, Florida.

  • City of Orlando provides up to $45,000 in forgivable 0% deferred second mortgage for eligible first-time homebuyers within city limits. Income up to 140% AMI. Program may open/close based on funding availability.
  • Funding comes from State.

Do you have to pay it back?

City of Orlando Down Payment Assistance Program is forgiven after 10 years, so a buyer who stays that long does not repay it.

  • Repayment is triggered by Sale, Refinance, and No longer primary within forgiveness period.
  • The assistance is recorded in 2nd Lien position.
  • Forgiveness and repayment terms are set by the program and can change — confirm them on the official program page before applying.

Who qualifies?

City of Orlando Down Payment Assistance Program is open to first-time homebuyers and buyers who will live in the home as their primary residence.

The program requires

  • First-time homebuyer — the program sets its own definition
  • The home is occupied as a primary residence
  • A minimum 620 credit score
  • A completed homebuyer education course
  • Residency: Must reside in Central Florida 12+ months

The program excludes

  • Households above 140% of area median income

These are the program's own published rules, not a decision about any individual — the administering agency and a lender determine who actually qualifies.

What are the income limits?

City of Orlando Down Payment Assistance Program limits household income to 140% of the area median income, which varies by county and household size.

  • Income up to 140% AMI for Orlando metro area. 4-person household up to ~$147,560.
  • Area median income figures are published by HUD and updated annually, so check the current table for the county before relying on a number.

What kind of home can it be used for?

City of Orlando Down Payment Assistance Program can be used for Single Family, Condo, and Townhouse.

Where does it apply?

City of Orlando Down Payment Assistance Program serves buyers purchasing in Orlando, Florida.

How do you apply?

Applications for City of Orlando Down Payment Assistance Program go through the administering agency, which publishes the current terms and the application steps on its own site.

  1. Take a homebuyer education course

    Required by the program before funds are reserved.

  2. Contact the administering agency to reserve funds

    Funds are reserved with the provider and are subject to availability.

  3. Work with a lender who handles the program

    Hey Prescott is not a lender and does not accept applications; this page describes the program so a buyer can take it to a lender or housing counselor.

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City of Orlando Down Payment Assistance Program, explained

A short, free course on City of Orlando Down Payment Assistance Program: what it is, who it is for, how it is forgiven, where it applies and how to apply. Based on program data from July 2026. About ten minutes.

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