Florida Hometown Heroes Program

A teacher, a nurse, and a firefighter.

Buying a home in Florida can feel hard. Prices are higher. Living costs are higher too.

Many workers need help with the down payment. That is where the Florida Hometown Heroes Housing Program can help.

According to Florida Realtors, the program fully used its 2025-2026 funds in just six months. This shows strong demand across the state.

What Is the Program?

The program helps first-time homebuyers who work in key jobs.

It offers:

• Up to 5% of the loan amount

• Maximum help up to $35,000

• 0% interest deferred second mortgage

You usually repay it only if you sell, refinance, or move out of the home.

This helps more buyers over time.

Who Can Qualify?

The program is for full-time workers in certain jobs.

These may include:

• Teachers

• Nurses

• First responders

• Military members and veterans

• Public safety workers

You must also meet income limits. The home must be your main home.

2026 Funding Update

For the 2025-2026 cycle:

• $50 million was available

• 3,000+ families bought homes

• Average help was about $16,000

• Average loan was about $320,000

All funds were committed in six months.

The Florida Legislature is reviewing future funding plans.

Why This Matters

Saving for a down payment is hard. Even steady workers may struggle.

This program helps lower upfront costs. It makes buying a home more possible.

When workers can live near their jobs, communities grow stronger.

How to Get Ready

Funds move fast. Preparation is important.

Here are simple steps:

1. Check income limits

2. Talk to an approved lender

3. Review your credit

4. Get pre-approved

Being ready can help you act quickly.