Hometown Heros Program Florida Qualifications

Unlocking the Door to Homeownership: Florida's Hometown Heroes Program Receives $100 Million Funding Boost


Great news for Florida's homebuyers! As of July 1, 2024, the Hometown Heroes program will be replenished with an additional $100 million, aimed at helping first-time homebuyers and community workers achieve the dream of homeownership. This blog post explores the refreshed program details, eligibility criteria, and how you can apply.

What is the Hometown Heroes Program?

The Hometown Heroes Program in Florida is designed to make homeownership more accessible to those who serve our communities. By providing financial assistance for down payments and closing costs, the program addresses the financial challenges faced by many first-time homebuyers in today's market.

Program Benefits:

Financial Assistance

Receive up to 5% of the purchase price in down payment assistance, with a minimum of $10,000 regardless of the sales price.

Diverse Mortgage Options

The program supports FHA, USDA-RD, and VA loans, catering to different financial needs.

Tax Exemptions

Save more with exemptions from documentary stamp tax and intangible tax on mortgages.

Eligibility Requirements:

Open to More Floridians: You must be a first-time homebuyer or have not owned a home in the last three years. Exceptions apply to military personnel and veterans.

Income and Credit: Ensure your income meets the annually determined limits and maintain a minimum FICO score of 640.

Employment: You must be employed by a Florida-based business with a physical presence, although remote workers are eligible.

How to Apply:

Interested in the Hometown Heroes program? Follow these steps to get started:

  1. Verify Your Eligibility: Review the detailed eligibility requirements on our Eligibility Page.
  2. Gather Necessary Documents: Prepare documents proving income, employment, and any additional required certifications.
  3. Contact a Participating Lender: Connect with a lender who participates in the Hometown Heroes program to begin your application process.
  4. Attend a Homebuyer Workshop: Benefit from attending a workshop to fully understand the buying process and responsibilities of homeownership.


The Hometown Heroes program not only assists individuals in purchasing their first home but also strengthens community ties by enabling more Floridians to become homeowners. If you meet the eligibility criteria and are dreaming of your own home, now is the time to take action.

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