Florida Exclusive Program

Florida Hometown Heroes Housing Program

Florida honors its frontline workers with up to $35,000 in down payment and closing cost assistance. If you serve your community, you deserve to live in it too.

Check My Eligibility (786) 301-7443
Up to $35K
Down Payment Assistance
$50M
2026 Funding Allocation
0%
Interest on Assistance
67 Counties
Statewide Program

Who Qualifies?

Florida's Hometown Heroes program recognizes professionals who dedicate their careers to serving and protecting Floridians.

Law Enforcement Officers

Police, sheriffs, corrections officers, probation officers

Firefighters & First Responders

Firefighters, fire inspectors, and EMTs

Paramedics & EMTs

Emergency medical technicians and paramedics

Physicians & Nurses

All licensed healthcare professionals

Educators

K–12 teachers, principals, counselors, and school administrators

Child Care Workers

Licensed childcare facility employees

Court & Legal Personnel

Attorneys, judges, court clerks, and public defenders

Active Military & Veterans

Active-duty military, National Guard, veterans

Not sure if you qualify?

The full list of eligible professions is extensive. If you work in public service, healthcare, education, law, or emergency response in any capacity, there's a good chance you qualify. Contact Tathiana for a free eligibility check, no obligation, no hard credit pull.

Program Benefits

5% Down Payment Assistance, Up to $35,000

Receive 5% of your first mortgage loan amount as a second mortgage, from a minimum of $10,000 up to a maximum of $35,000, to cover your down payment and closing costs.

0% Interest, No Monthly Payment

The assistance is a 0% interest, non-amortizing, 30-year deferred second mortgage. It isn't a grant, but you make no payments on it until you sell, refinance, or pay off your first mortgage.

Combines with FHA, VA & Conventional

The Hometown Heroes assistance can be stacked with your primary loan product for maximum benefit.

Florida Residents Only

This is an exclusive Florida Housing Finance Corporation program for full-time Florida employees working in eligible professions, purchasing in one of Florida's 67 counties.

How to Apply

The process is straightforward. Tathiana handles all the paperwork and coordination so you can focus on finding your home.

01

Check Eligibility

Confirm you work in an eligible profession and are a Florida resident. Contact Tathiana for a quick eligibility check. No obligation.

02

Get Pre-Qualified

Provide your income, credit, and employment details. Tathiana will issue your pre-qualification letter within 24–48 hours.

03

Shop for Your Home

Use your pre-qualification to shop with confidence. Tathiana stays in contact with you and your realtor throughout.

04

Close With Assistance

Your down payment assistance is applied at closing, reducing your out-of-pocket costs significantly.

Frequently Asked Questions

The program provides 5% of your first mortgage loan amount as down payment and closing cost assistance, ranging from a minimum of $10,000 up to a maximum of $35,000.

Yes, eventually. It's structured as a 0% interest, non-amortizing, 30-year deferred second mortgage with no monthly payments. It isn't a forgivable grant, and becomes due when you sell, refinance, or pay off your first mortgage.

Yes. The 2026 funding cycle launched with a $50 million allocation, distributed to participating lenders on a first-come, first-served basis. Because funds are limited, Tathiana recommends checking current availability and applying as soon as you're ready.

Borrowers must meet county-specific income limits, and the property must be a primary residence in one of Florida's 67 counties. Tathiana can check the exact limit for your target county.

Florida-based full-time employees (at least 35 hours per week) in essential workforce occupations, including healthcare, education, childcare, first responders, law enforcement, and active military or veterans.

Yes! Hometown Heroes can be combined with FHA, VA, Conventional, and USDA loans. Veterans can potentially get VA + Hometown Heroes for a powerful combination.

You generally must not have owned a home in the past three years, though this requirement is waived for active-duty military and veterans.

The process typically takes 30–45 days from application to closing, similar to a standard mortgage.

Minimum credit scores vary by loan type: generally 580 for FHA, 620 for Conventional. Tathiana will review your specific situation.

You'll need proof of employment in an eligible profession (pay stub, employer letter, or professional license) along with standard mortgage documentation.

You Serve Florida. Let Tathiana Serve You.

You deserve to own a home in the community you protect. Let Dream Team Mortgage make it happen with the Hometown Heroes program.

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