Florida Hometown Heroes
Florida Hometown Heroes is a deferred 2nd 0% int 30-yr from Florida Housing Finance Corp. Available statewide in Florida. Up to $35,000 toward a home purchase. For first-time buyers. Income limit: 140-150% AMI by county.
Up to $35,000
Listed as open as of May 2026
Available statewide in Florida.
| First-time buyer | Required |
|---|---|
| Income limit | 140-150% AMI by county |
| Minimum credit score | 620 |
| Maximum DTI | 50% |
| Homebuyer education | Required (HFA-approved (Framework, eHome, NeighborWorks, etc.)) |
| Occupations | 50+ occupations: teachers, nurses, firefighters, LEOs, military, healthcare |
| Property types | SFR, condo, townhome, PUD |
| Occupancy | Owner-occupied primary |
| Eligible loan products | FHA/VA/USDA/Conv |
| Sales price cap | Per county |
| Repayment | Lump-sum on sale/refi/transfer/move-out |
| Stacking | Stacks with county SHIP, MCC |
Cal has not re-checked this listing recently. Confirm the current terms with the program administrator before relying on them.
Provider: Florida Housing Finance Corp · program details at the provider’s site.
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