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

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

Nick Lazarevic (NMLS #386391) with 1st Capital Group serves Kissimmee and all of Osceola County with conventional, FHA, VA, and specialty loan programs. Located just south of Orlando near the theme parks, Kissimmee offers affordable housing options for first-time buyers, families, and vacation rental investors. Get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in Kissimmee

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

Statewide Programs Available to Kissimmee 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.

Osceola County Local Programs

Osceola 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 Kissimmee and the surrounding area.

Kissimmee DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Osceola 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 Kissimmee.

2026 Conforming Loan Limit

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

Frequently Asked Questions

Can I finance a vacation rental property in Kissimmee?

Yes. DSCR loans are very popular for Kissimmee vacation rentals — they qualify you based on the property’s rental income rather than personal income. Conventional investment loans are also available.

What down payment assistance is available in Kissimmee?

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

Can foreign nationals buy property in Kissimmee?

Yes. Foreign national loan programs are available for non-U.S. citizens purchasing vacation homes or investment properties in Kissimmee without U.S. credit history.

Kissimmee’s Housing Market

Kissimmee and Osceola County have experienced explosive growth as Orlando’s southern suburbs expand. Communities like St. Cloud, Poinciana, and Celebration offer a range of housing from affordable starter homes to master-planned luxury. Kissimmee’s proximity to Walt Disney World and other attractions makes it a hotspot for short-term vacation rental investors — many homes in resort-zoned communities are specifically designed and permitted for nightly rentals. First-time buyers also find opportunities here at price points below the Orlando core, often using FHA financing with down payment assistance.

Available Loan Programs

Conventional Loans — Competitive rates for primary residences, second homes, and investment properties
FHA Loans — Low down payment options, very popular with Kissimmee first-time buyers
VA Loans — Zero down payment for eligible veterans
DSCR / Investor Loans — Qualify based on rental income — ideal for Kissimmee’s vacation rental market near the theme parks
Foreign National Loans — Financing for international buyers purchasing vacation homes or investment properties

Serving All of Osceola County

Nick serves homebuyers throughout Osceola County, including Kissimmee, St. Cloud, Poinciana, and Celebration. Licensed statewide.

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