There are many programs available — here are some of the most common options.
You may qualify for multiple homebuyer assistance programs, including options offering up to $60,000 in support.
- 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.
