Homebuyer Programs

Hometown Heroes Program

The Hometown Heroes Housing Program makes homeownership affordable for eligible frontline community workers such as law enforcement officers, firefighters, educators, healthcare professionals, childcare employees, and active military or veterans. The program provides down payment and closing cost assistance to first-time, income-qualified homebuyers to purchase a primary residence in the community where they work and serve. The Hometown Heroes Program offers a lower first mortgage rate and additional benefits to those who have served and continue to serve their country.

When looking to hire a REALTOR®, here’s what you need to ask.

Suppose you think that you may be eligible for the Hometown Hero’s Program and are searching to hire a REALTOR®. Ask if they are certified and if they are great! If not, they can become certified by completing a 3-hour course offered for free by Florida Housing Finance Corporation. You must use one of the program’s participating lenders as well.

Are you eligible?

    • Applicants who qualify can receive lower than market rates on an FHA, VA, RD, Fannie Mae, or Freddie Mac first mortgage, reduced upfront fees, no origination points or discount points, and down payment and closing cost assistance.

    • Borrowers can receive up to 5% of the first mortgage loan amount (maximum of $35,000) in down payment and closing cost assistance.

    • Down payment and closing cost assistance are available as a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing the first mortgage, transfer of the deed, or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.

  • Review Occupations

  • Review Purchase Limits by County

First-time Homebuyer Grant Program

Did you know there are programs to help first-time homebuyers in the Tampa Bay area who meet certain financial criteria? You could receive a grant of up to $4,000 to assist you in purchasing your first home if you haven't owned a home within the last three years.