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City of Orlando Down Payment Assistance Program

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

Last verified
Check if this fits me Official program site ↗

The program asks for

  • 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
  • A home inside Orlando city limits

It doesn’t cover

  • Households above 140% of area median income
  • Homes outside Orlando

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

Income limit

140% of Orange County’s area median income

HUD sets the area median income each year. The limit changes with household size, so a family of five has a higher limit than a single homebuyer.

$97,600
Area median income, 4-person household (HUD, 2026)
Income limits in Florida

Where it applies

Orlando’s homes

  • 31.6% single-family
  • 9.7% townhouse
  • 8.7% 2–4 units
  • 49.8% 5+ units
  • 0.3% mobile & other

A tick marks a kind of home the program’s record lists. The agency confirms it for the home you choose.

$394,100

Orlando median home value

32.6%

built before 1980

U.S. Census Bureau, ACS 2024 5-year. More about buying in Orlando

How to apply

  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 homebuyer can take it to a lender or housing counselor.

Free course · 10 minCity of Orlando Down Payment Assistance Program, explained

Questions about this program

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 homebuyer 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 homebuyers who will live in the home as their primary residence. "First-time homebuyer" usually means not having owned a home in the last three years, but the program sets its own definition. The program lists a minimum credit score of 620. A homebuyer education course is required. Residency requirement: Must reside in Central Florida 12+ months.

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

Also for Orlando homebuyers

Whether two programs can be combined is up to each agency. Ask before you apply.

All 92 programs for Orlando

Program terms are set by the administering agency and can change; confirm on the official site before you apply.