2026 Hometown Heroes First Time Home Buyer Assistance Program

The Hometown Heroes First Time Home Buyer Assistance program for 2026 starts on July 13th, and is offered by the Florida Housing Department.

Amount of Funding: $50,000,000
Funds Availability Date: 7/13/2026

Below are the qualifying occupation groups to take note of.

On July 14th 2026 I will be hosting a webinar on how to get started with the Hometown Heroes 2026 down payment assistance program. Click here to register and attend this free information session, or fill out the form below.

Webinar link on July 14th, 2026 at 7PM

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

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.