Buying your first home in Florida?
There’s a good chance you’re searching for things like:
“First-time home buyer programs in Florida”
“How to buy a house with no money down in Florida”
“Do I qualify for down payment assistance in Florida?”
But here’s the truth, most people find out too late:
The biggest mistake first-time home buyers make in Florida is not taking advantage of the assistance programs available to them.
Why This Mistake Could Cost You Thousands?
Florida offers a range of first-time home buyer assistance programs, including grants, down payment assistance (DPA), closing cost help, and low-interest mortgage options. These programs can save you $7,500–$25,000 or more,
yet most buyers either:
Don’t know they exist
Think they don’t qualify
Get overwhelmed by conflicting information online
As a result, they end up using more of their own money—or worse, giving up on buying altogether.
Most Common Questions About Florida First-Time Buyer Assistance
- What programs are available for first-time home buyers in Florida?
Florida offers options like the Florida Assist, Hometown Heroes, and Bond Loan Programs, as well as county-level grants and forgivable loans. - How do I qualify for down payment assistance in Florida?
Most programs require:
- A minimum credit score of 620, but some programs may be available with less required score
- Being a first-time buyer (or not owning in the last 3 years), but some programs may be available even if it is not your fist time to buy
- A stable income within the program’s limits
- Completion of a home buyer education course
- Can I buy a house with no money down in Florida?
Yes, when you combine down payment assistance with low-down payment loans (like FHA, USDA, or VA), some buyers close with little to no out-of-pocket cash. - Do I need perfect credit?
No! Many programs are available to buyers with fair credit. Some even help you improve your score to qualify. - How do I find out what I’m eligible for?
That’s where most people get stuck—but now there’s an easy way.
Find Out What You Qualify For – In Just a Few Minutes
The smartest first-time buyers are the ones who ask the right questions before they shop for a home.
If you’re wondering things like:
“How much assistance can I get?”
“What’s the best down payment program near me?”
“Do I qualify for any grants?”
➡️ Click the link below to access a free resource that shows exactly which programs you qualify for—based on your answers to a few quick questions.
This takes the guesswork out and gives you a personalized roadmap to buying your first home in Florida—with less money out of pocket.