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DOWN PAYMENT ASSISTANCE PROGRAMS

You may be eligible for homebuyer assistance programs and up to $60,000 in down payment help.

Florida Housing Finance Corporation (FHFC) Hometown Heroes (HTH) Second Mortgage - Bond
2nd Mortgage, up to $23,750 (5% of Total Loan Amount) in assistance

Florida Housing Finance Corporation (FHFC) Hometown Heroes (HTH) Second Mortgage - TBA
2nd Mortgage, up to $23,750 (5% of Total Loan Amount) in assistance

Florida Housing Finance Corporation (FHFC) TBA Plus Second
2nd Mortgage, up to $23,750 (5% of Total Loan Amount) in assistance

Florida Housing Finance Corporation (FHFC) Homeownership Loan Program (HLP) Second
2nd Mortgage, up to $12,500 assistance

Florida Housing Finance Corporation (FHFC) FL Assist DPA
2nd Mortgage, up to $10,000 assistance

CBC Mortgage Chenoa Fund - FHA Forgivable DPA
Combined Assistance, up to $25,000 (5% of Purchase Price) in assistance

CBC Mortgage Chenoa Fund - FHA Repayable DPA
Combined Assistance, up to $25,000 (5% of Purchase Price) in assistance

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage 10 Year Amortized 2 Plus
Combined Assistance, up to $25,000 (5% of Purchase Price) in assistance

National Homebuyers Fund (NHF) - Data Mortgage, Inc. dba Essex Mortgage Forgivable/Deferred Program
Combined Assistance, up to $17,500 (3.5% of Purchase Price) in assistance

Federal Home Loan Bank (FHLB) of New York - Homebuyer Dream Program (HDP)
2nd Mortgage, up to $30,000 assistance

Federal Home Loan Bank (FHLB) of Des Moines - Home$tart Program
2nd Mortgage, up to $25,000 assistance

Federal Home Loan Bank (FHLB) of Chicago Downpayment Plus Program (DPP)
Grant, up to $10,000 (25% of Base Loan Amount) in assistance

Federal Home Loan Bank (FHLB) of Chicago Downpayment Plus® Advantage (DPP Advantage) Program
Grant, up to $10,000 (25% of Base Loan Amount) in assistance

Escambia County Housing Finance Authority (ECHFA) Non-Forgivable 2nd Mortgage
2nd Mortgage, up to $10,000 assistance

Escambia County Housing Finance Authority (ECHFA) Forgivable 2nd Mortgage **
2nd Mortgage, up to $10,000 (5% of Total Loan Amount) in assistance

S.H.I.E.L.D. HomeStart DPA Grant
Grant, up to $17,500 (3.5% of Purchase Price) in assistance

Realtors Care Foundation (RCF) First Time Home Buyer Grant Program **
Grant, up to $7,500 assistance

American Built Communities - Closing Costs and/or Down Payment Assistance Grant **
Grant, up to $5,000 assistance

Affordable First Mortgages

Florida Housing Finance Corporation (FHFC) FL First Bond Loan
1st Mortgage

Florida Housing Finance Corporation (FHFC) FL First Bond Loan - Target Area
1st Mortgage

Florida Housing Finance Corporation (FHFC) FL Standard TBA
1st Mortgage

Florida Housing Finance Corporation (FHFC) Hometown Heroes (HTH) First Loan Program - Bond
1st Mortgage

Florida Housing Finance Corporation (FHFC) Hometown Heroes (HTH) First Loan Program - Bond Targeted
1st Mortgage

Florida Housing Finance Corporation (FHFC) Hometown Heroes (HTH) First Loan Program - TBA
1st Mortgage

Escambia County Housing Finance Authority (ECHFA) 2025 Home for the Holidays Program
1st Mortgage

Escambia County Housing Finance Authority (ECHFA) Big Splash Single Family First Time Homebuyer Mortgage Loan Program - Conventional
1st Mortgage

Escambia County Housing Finance Authority (ECHFA) Big Splash Single Family First Time Homebuyer Mortgage Loan Program - Government
1st Mortgage

Tax Credits

Escambia County Housing Finance Authority (ECHFA) Mortgage Credit Certificate (MCC)
Mortgage Credit Certificate

Escambia County Housing Finance Authority (ECHFA) Mortgage Credit Certificate (MCC) - Targeted Areas
Mortgage Credit Certificate

Other Homeownership Programs

Hernando County Homeownership (NSP3) Housing Assistance Plan (HAP) *
Deed Restriction, up to $60,000 assistance

Note:
* indicates that applications are currently waitlisted
** indicates the program is temporarily out of funds

Please note:

• Decisions are made by the administrators of each of these programs, and eligibility requirements pertaining to the borrower and the property are subject to change.
• Any individual lender may not offer all of the programs for which you may be eligible.
• Any communication provided to you by Workforce Resource LLC and/or Stellar MLS and/or Duskie Smith is for informational purposes only and should not be relied upon. Neither Workforce Resource LLC nor Stellar MLS nor Duskie Smith is a mortgage lender or administrator of any down payment assistance programs. You should contact the administrator of any assistance programs directly to learn more about program features and eligibility criteria.