Down Payment Assistance Programs in West Palm Beach, FL — Home Loans, Refinancing & Pre-Approvals

Looking for a mortgage lender in West Palm Beach, Florida? Nick Lazarevic (NMLS #386391) with 1st Capital Group serves West Palm Beach and all of Palm Beach County with conventional, FHA, VA, and specialty loan programs. From the walkable Clematis Street corridor to the gated communities of Wellington and Palm Beach Gardens, get pre-approved in as little as 24 hours.

Down Payment Assistance Programs in West Palm Beach

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

Statewide Programs Available to West Palm Beach 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.

Palm Beach County Local Programs

Palm Beach 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 West Palm Beach and the surrounding area.

West Palm Beach DPA Stacking Example

• Hometown Heroes: $35,000 (state)
• FL Assist: $10,000 (state)
• Palm Beach 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 West Palm Beach.

2026 Conforming Loan Limit in Palm Beach County

The conforming loan limit for Palm Beach County in 2026 is $832,750 for a single-family home. Loans up to this amount qualify for conventional financing with the best available rates. For higher-priced properties — common in coastal Palm Beach, Jupiter, and Boca Raton — jumbo loan options are available.

Frequently Asked Questions — West Palm Beach Mortgages

What are the current mortgage rates in West Palm Beach, FL?

Mortgage rates change daily and depend on your credit score, loan type, down payment, and property type. Contact us for a personalized rate quote based on your specific situation.

How much do I need for a down payment to buy a home in West Palm Beach?

It depends on the loan program. Options range from zero down (VA loans for eligible veterans) to low down payment programs (FHA and conventional). Palm Beach County offers a $10,000 silent second DPA program plus statewide assistance.

Does West Palm Beach have down payment assistance programs?

Yes. West Palm Beach buyers can access statewide programs like Hometown Heroes (up to $35,000) and FL Assist ($10,000), plus Palm Beach County’s $10,000 silent second mortgage program. These can often be stacked for maximum assistance.

What is the conforming loan limit in Palm Beach County?

The 2026 conforming loan limit for Palm Beach County is $832,750 for a single-family home. Properties priced above this limit require jumbo financing, which is available with competitive terms for qualified borrowers.

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West Palm Beach’s Mortgage Market

West Palm Beach sits at the heart of Palm Beach County, one of the wealthiest and most diverse real estate markets in Florida. The county spans the full spectrum — from luxury oceanfront estates on Palm Beach island to affordable workforce housing in suburban communities inland. West Palm Beach itself has undergone significant downtown revitalization, attracting corporate relocations, young professionals, and a growing tech and finance presence that’s reshaping the city’s identity.

Palm Beach County’s market is notable for its depth across price points. First-time buyers find opportunities in Lake Worth, Greenacres, and Royal Palm Beach, while move-up buyers gravitate toward Jupiter, Palm Beach Gardens, and Wellington. The county’s equestrian community in Wellington creates niche demand for estate financing. International buyers, particularly from the Northeast and Latin America, continue to invest in both residential and luxury segments of the market.

Available Loan Programs in West Palm Beach

• Conventional Loans — Competitive rates and flexible terms for primary residences, second homes, and investment properties. The most popular choice across Palm Beach County.
• FHA Loans — Low down payment options with flexible credit requirements. Popular with first-time buyers entering the West Palm Beach market.
• VA Loans — Zero down payment for eligible veterans and active-duty military. Palm Beach County’s veteran population supports consistent VA loan demand.
• Foreign National Loans — Financing for international buyers purchasing property in Palm Beach County without U.S. credit history.
• DSCR / Investor Loans — Qualify based on rental income. West Palm Beach’s strong rental market and population growth make investor loans a growing segment.
• Jumbo Loans — For properties above the conforming limit. Common in Palm Beach, Jupiter Island, Boca Raton, and waterfront communities throughout the county.

Serving All of Palm Beach County

In addition to West Palm Beach, Nick serves homebuyers and homeowners throughout Palm Beach County, including Boca Raton, Delray Beach, Boynton Beach, Jupiter, Palm Beach Gardens, Wellington, Lake Worth, and Royal Palm Beach. Licensed statewide.

Ready to Get Started in West Palm Beach?

Whether you’re buying your first home, refinancing, or investing in West Palm Beach real estate, I’m here to help you find the best financing option.

Call: 954-300-1287
Email: [email protected]
Apply Online: Start Your Application

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Nick Lazarevic | NMLS #386391 | 1st Capital Group as dba of GFL Capital Mortgage Inc | Company NMLS #64367 | Equal Housing Lender | Licensed Mortgage Loan Originator. All loans subject to credit approval. This is not a commitment to lend. Terms and conditions apply. NMLS Consumer Access: www.nmlsconsumeraccess.org