What’s New for 2025?

Please take note of the following important updates for the upcoming HTH Program:

• One occupying borrower must be employed in an eligible occupation.
• Click here to view the approved list of occupations. Only one borrower is required to meet this eligibility (excluding non-occupying co-signors).
  1. Active-Duty Military must provide a current Leave and Earnings Statement (LES).
  2. Co-signors do not fulfill this requirement.
  3. Veterans must work full time and are exempt from the occupation requirement.

Amount of Funding: $50,000,000
Funds Availability Date: 8/18/2025 at 10am EST

On August 12th, 2025 I will be hosting a webinar on how to get started with the Hometown Heroes 2025 down payment assistance program. Click here to register and attend this free information session, or fill out the form below.

Webinar link on August 12th, 2025 at 7PM
Meeting password: 5MGeZL

The Florida Hometown Heroes Housing Program makes homeownership affordable for eligible community workforce.

This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve. The Florida Hometown Heroes Loan Program also offers a competitive first mortgage interest rate and additional special benefits to those who have served and continue to serve their country.

Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000/minimum of $10,000) in down payment and closing cost assistance. Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.