Your Fort Myers Mortgage Lender — Home Loans, Refinancing & Pre-Approvals

Down Payment Assistance Programs in Fort Myers, FL — Home Loans & Pre-Approvals

Nick Lazarevic (NMLS #386391) with 1st Capital Group serves Fort Myers and all of Lee County with conventional, FHA, VA, and specialty loan programs. Southwest Florida’s warm climate, Gulf beaches, and growing economy attract buyers from across the country. Get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in Fort Myers

Fort Myers buyers have access to statewide DPA programs plus Lee County local assistance that can be combined for $45,000+ in total help toward your down payment and closing costs.

Statewide Programs Available to Fort Myers Buyers

Hometown Heroes: Up to $35,000 — 0% interest deferred loan, no monthly payments. For teachers, nurses, first responders, military, and 50+ eligible professions.
FL Assist: Up to $10,000 — 0% interest deferred second mortgage, no monthly payments.
FL HLP: Up to $10,000 — 3% interest, 15-year repayment.
Salute Our Soldiers: Up to $35,000 — for veterans and active military. Veterans don’t need to be first-time buyers.

Lee County Local Programs

Lee County receives SHIP funding from the state and may offer additional local DPA programs. Program amounts and availability change throughout the year. I track which programs are currently funded and accepting applications in Fort Myers and the surrounding area.

Fort Myers DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Lee County SHIP/local programs: varies
Total potential: $45,000+ depending on local availability

I specialize in finding and stacking every DPA program you qualify for. Contact me for a personalized breakdown based on your income, occupation, and where you’re buying in Fort Myers.

2026 Conforming Loan Limit

The conforming loan limit for Lee County in 2026 is $832,750.

Frequently Asked Questions

What should I know about buying in Fort Myers after Hurricane Ian?

The market has recovered significantly since Hurricane Ian in 2022. New construction standards, updated flood maps, and rebuilt infrastructure have strengthened the area. Insurance costs are a key consideration — we factor insurance into your total payment analysis when evaluating loan options.

What down payment assistance is available in Fort Myers?

Statewide programs like Hometown Heroes (up to $35,000) and FL Assist ($10,000), plus Lee County SHIP funding. These can often be stacked.

Fort Myers & Lee County’s Housing Market

Fort Myers and Lee County have rebounded strongly, with new construction and renovation activity driving the market forward. Cape Coral, Fort Myers’ sister city across the Caloosahatchee River, is one of Florida’s largest cities by area and offers canal-front living at accessible prices. Bonita Springs, Estero, and Lehigh Acres each serve different buyer profiles — from luxury golf communities to affordable starter homes. The area attracts seasonal residents, retirees, investors, and families, creating demand across all loan types. Lee County’s strong rental market also supports investor activity.

Available Loan Programs

Conventional Loans — Competitive rates for primary residences, second homes, and investment properties
FHA Loans — Low down payment options popular with first-time buyers, especially in Lehigh Acres and Cape Coral
VA Loans — Zero down payment for eligible veterans
DSCR / Investor Loans — Qualify based on rental income for vacation and long-term rentals
Foreign National Loans — Financing for international buyers purchasing in Southwest Florida
Jumbo Loans — For waterfront and luxury properties in Bonita Springs and Sanibel area

Serving All of Lee County

Nick serves homebuyers throughout Lee County, including Fort Myers, Cape Coral, Bonita Springs, Lehigh Acres, and Estero. Licensed statewide.

Call: 954-300-1287 | Email: [email protected] | Contact Us for More Help