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Florida Down Payment Assistance

Stack multiple programs to maximize your available assistance toward homeownership.

Florida Down Payment Assistance Programs — Complete Statewide Guide

Saving for a down payment is the biggest barrier for most homebuyers. The good news: Florida has some of the most generous down payment assistance programs in the country. Depending on where you’re buying and your income, you could qualify for $10,000 to $200,000+ in combined assistance. And here’s what most buyers don’t know — you can stack these programs together.

How Grant Stacking Works

Florida’s down payment assistance programs operate at three levels — state, county, and city. In many cases, you can layer one on top of another to maximize your total assistance.

Example — Broward County Stacking

  • Florida Hometown Heroes: up to $35,000 (state)
  • Broward County Purchase Assistance: up to $80,000 (county)
  • City of Fort Lauderdale DPA: up to $75,000 (city)
  • Potential combined assistance: up to $190,000

Example — Miami-Dade County Stacking

  • Florida Hometown Heroes: up to $35,000 (state)
  • Miami-Dade County DPA: up to $35,000 (county)
  • City of Miami: up to $70,000 (city)
  • Potential combined assistance: up to $140,000

Example — Palm Beach County Stacking

  • Florida Hometown Heroes: up to $35,000 (state)
  • Palm Beach County HOME: up to $100,000 (county)
  • City of Boca Raton: up to $175,000 (city)
  • Potential combined assistance: up to $310,000

Important Stacking Rules

  • Each program has its own income limits — you must qualify for each separately
  • Lien position matters — verify with your lender which combinations are allowed
  • Some city programs require applying to the city first before county assistance
  • Not every combination works with every loan type — I track which programs pair together
  • Funding availability changes throughout the year — I monitor which programs are currently accepting applications

State of Florida Programs

Florida Hometown Heroes

  • Up to $35,000 in assistance (5% of first mortgage, minimum $10,000)
  • 0% interest deferred second mortgage, 30-year term
  • Repaid only upon sale, refinance, or move-out
  • Available to ALL qualified working residents
  • Must be employed full-time (35+ hrs/week) with a Florida-based employer
  • Income limit: generally ≤140% AMI (varies by county)
  • Available statewide in all 67 counties

Florida Assist (FL Assist)

  • Up to $10,000 in assistance
  • 0% interest, deferred second mortgage
  • Works with FHA, VA, USDA, and conventional loans
  • Available statewide through approved lenders

Find DPA Programs by Location

Every Florida county and city has different down payment assistance programs. Select your area below to see which programs are available and how to stack them:

By County

Alachua County, Baker County, Bay County, Bradford County, Brevard County, Broward County, Calhoun County, Charlotte County, Citrus County, Clay County, Collier County, Columbia County, DeSoto County, Dixie County, Duval County, Escambia County, Flagler County, Franklin County, Gadsden County, Gilchrist County, Glades County, Gulf County, Hamilton County, Hardee County, Hendry County, Hernando County, Highlands County, Hillsborough County, Holmes County, Indian River County, Jackson County, Jefferson County, Lafayette County, Lake County, Lee County, Leon County, Levy County, Liberty County, Madison County, Manatee County, Marion County, Martin County, Miami-Dade County, Monroe County, Nassau County, Okaloosa County, Okeechobee County, Orange County, Osceola County, Palm Beach County, Pasco County, Pinellas County, Polk County, Putnam County, Santa Rosa County, Sarasota County, Seminole County, St. Johns County, St. Lucie County, Sumter County, Suwannee County, Taylor County, Union County, Volusia County, Wakulla County, Walton County, Washington County

By City

Bradenton, Clearwater, Coral Springs, Daytona Beach, Fort Lauderdale, Fort Myers, Gainesville, Homestead, Jacksonville, Kissimmee, Lakeland, Melbourne, Miami, Naples, Ocala, Orlando, Pensacola, Pompano Beach, Port Charlotte, Port St Lucie, Sanford, Sarasota, Spring Hill, St Augustine, St Petersburg, Tallahassee, Tampa, The Villages, Vero Beach, West Palm Beach

Not Sure Which Programs You Qualify For?

I track every DPA program in every Florida county and know which ones are currently funded and accepting applications. Tell me where you’re buying, your household income, and whether you’re a first-time buyer — and I’ll map out exactly which programs you can stack together.

Find My DPA Programs →

Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender
Program details subject to change. Funding availability varies. Contact me for current program status.
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Important Disclosure

Down Payment Assistance Program (DPA) is meant to help offset the down payment and/or closing costs associated with purchasing a home for eligible homeowners. Some DPA programs take the form of a second mortgage. The DPA is a second lien that is subordinate to your primary mortgage. It is important to note that this may have a repayment requirement with this type of loan in addition to your mortgage payment. Every DPA program has different requirements, limitations, and criteria that need to be disclosed to the borrower. Ask your loan officer for additional information and restrictions. Not all applicants will qualify.

Information is presented for information purposes only. This is not a commitment to lend or extend credit. Information and/or dates are subject to change without notice. All loans are subject to credit approval. Other restrictions may apply.