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Florida HFA Preferred Plus Second Mortgage

Up to $0 toward a down payment in FL.

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Location
FL
Type
Forgivable assistance
Max assistance
$0
Min. credit score
640
First-time buyer
Required
Property types
Single family, Condo, Townhouse, 2–4 unit (owner-occupied)

3%, 4% or 5% of the total loan amount as a forgivable second mortgage (forgiven 20% per year over a 5-year term) paired with Florida Housing's Fannie Mae HFA Preferred for TBA conventional first mortgage. The PLUS second mortgage is available only with the conventional HFA Preferred/Advantage first mortgage products. Available statewide; minimum credit score 640.

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Short reads on how it works, in plain language. Free, no sign-up needed to read.

Free course from Hey Prescott

Florida HFA Preferred Plus Second Mortgage, explained

A short, free course on Florida HFA Preferred Plus Second Mortgage: 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.

5 modules · About 10 minutes

Read the course

Program details are sourced from public agency data and may change. Confirm eligibility with a Hey Prescott loan officer before applying.