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First Time Homebuyer Program
Floridaís First Time Homebuyer Program (FTHB) offers 30-year fixed interest rate mortgage loans to first time homebuyers. However, if you are not a first time homebuyer, you may still be eligible for this program if you are purchasing a home in a GO Zone county, or other federally designated targeted area. This program uses
income limits and purchase price limits to determine eligibility.

Down Payment Assistance (DPA)

Nationwide, the single largest barrier to homeownership is lack of down payment funds. Floridaís First Time Homebuyer program features two down payment and closing cost assistance programs that provide borrowers greater access to homeownership opportunities.

In conjunction with the First Time Homebuyer program, there are two down payment and closing cost assistance programs in the form of second mortgage loans, and up-front cash assistance to help eligible homebuyers cover their down payment and closing costs. Based on the information you provided, you may be eligible to receive ONE of the following:


Florida Assist (up to $10,000 available). For a complete list of income limits by county for the Florida Assist program, click here.

HAMI Program (up to $5,000 available)
The interest rate for the HAMI program is 5 percent.

Three Percent (3%) Cash Option
This option, in the form of cash assistance, provides borrowers with 3 percent of the loan amount applied toward down payment and closing costs.


Florida requires the completion of a Homebuyer Counseling Course for all borrowers receiving First Time Homebuyer Program assistance. Homebuyer counseling addresses vital information such as money management, spending and savings plans. Florida Housing believes that Homebuyer Education will empower you to make more informed decisions and enable you to effectively manage your resources leading to greater financial stability.

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