Hometown Heroes Program Florida


Unlocking Homeownership: A Guide to Florida's Hometown Heroes Program


Are you a first-time homebuyer in Florida seeking grants and financial assistance? The Florida Hometown Heroes Program might be your golden ticket. This article delves into the benefits of this remarkable initiative, tailored for community workers like you.

What is the Florida Hometown Heroes Program?

The Hometown Heroes Program in Florida is a significant stride towards making homeownership attainable for first-time buyers. This initiative offers a range of mortgage options and financial assistance, specifically targeting community workers struggling with the rising property costs in Florida.

Key Benefits of the Program

  1. Assistance for Community Workers: Designed to aid Floridian community workers in purchasing their first home, this program addresses the gap between escalating property prices and stagnant incomes.
  2. Diverse Mortgage Options: Offering FHA, USDA-RD, and VA mortgage loans, this program caters to a variety of financial needs and preferences.
  3. Down Payment and Closing Cost Assistance: A unique feature of the Hometown Heroes Program is the provision of a 0%, non-amortizing, 30-year second mortgage to aid with down payments and closing costs.
  4. Eligibility for a Wide Audience: The program extends to full-time employees of Florida-based businesses, without specific occupational limitations, broadening its reach.
  5. Tax Exemption Benefits: A significant benefit is the exemption from documentary stamp tax and intangible tax on mortgages, potentially saving thousands of dollars for homebuyers.

Eligibility Requirements

  1. First-Time Homebuyer Status: Applicants must be first-time homebuyers, with some exceptions for military service members and veterans.
  2. Income Limits: Income eligibility is determined annually based on median income levels, targeting moderate to low-income groups.
  3. Credit Score: A minimum FICO score of 640 is required, emphasizing the importance of good credit health.


The Florida Hometown Heroes program offers a lifeline to first-time homebuyers, particularly those serving their communities. By providing financial assistance and diverse mortgage options, this program is pivotal in making homeownership a reality for many in Florida. If you meet the eligibility criteria, this could be your chance to step into your dream home.


Additional Updates:


Florida Housing Approves $36M for Hometown Heroes Program
Florida Hometown Heroes Housing Program $36 Million Boost