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

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

Nick Lazarevic (NMLS #386391) with 1st Capital Group serves Naples and all of Collier County with conventional, FHA, VA, jumbo, and specialty loan programs. Naples is one of Florida’s premier luxury markets, offering Gulf-front living, world-class golf communities, and a sophisticated downtown. Get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in Naples

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

Statewide Programs Available to Naples 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.

Collier County Local Programs

Collier 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 Naples and the surrounding area.

Naples DPA Stacking Example

Hometown Heroes: $35,000 (state)
FL Assist: $10,000 (state)
Collier 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 Naples.

2026 Conforming Loan Limit

The conforming loan limit for Collier County in 2026 is $832,750. Many Naples purchases exceed this limit and require jumbo financing.

Frequently Asked Questions

Do I need a jumbo loan to buy in Naples?

It depends on the price. The 2026 conforming limit is $832,750. Many properties in premier Naples communities exceed this, requiring jumbo financing. We offer competitive jumbo loan options for qualified buyers.

Can foreign nationals get a mortgage in Naples?

Yes. Foreign national loan programs are available for non-U.S. citizens purchasing in Naples. These programs don’t require U.S. credit history.

Naples & Collier County’s Housing Market

Naples consistently ranks among the wealthiest communities in the United States, with a real estate market that ranges from luxury waterfront estates and private golf club communities to more affordable options in Golden Gate and East Naples. The city attracts affluent retirees, seasonal residents, and investors from across the globe. Jumbo loans are a significant part of the market given the high price points in communities like Pelican Bay, Port Royal, and Park Shore. Collier County also benefits from one of the lowest property tax rates in the state at approximately 0.73%, adding to its appeal.

Available Loan Programs

Conventional Loans — Competitive rates for primary residences, second homes, and investment properties
Jumbo Loans — For properties above the conforming limit — essential in Naples where many purchases exceed $832,750
VA Loans — Zero down payment for eligible veterans, including VA jumbo options
Foreign National Loans — Financing for international buyers purchasing in Naples without U.S. credit history
DSCR / Investor Loans — Qualify based on rental income for seasonal and long-term rental properties
FHA Loans — Low down payment options available for qualifying properties and buyers

Serving All of Collier County

Nick serves homebuyers throughout Collier County, including Naples, Marco Island, and surrounding communities. Licensed statewide.

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