Florida Hometown Heroes

Florida's groundbreaking program helping community heroes achieve homeownership with down payment and closing cost assistance.

What Is the Hometown Heroes Program?

The Florida Hometown Heroes Housing Program, administered by the Florida Housing Finance Corporation, provides down payment and closing cost assistance to eligible frontline community workers purchasing their first home in Florida. This program recognizes the vital contributions of over 50 eligible professions.

Jonathan Fitzgerald is experienced in guiding eligible buyers through the Hometown Heroes program, from initial qualification through closing, ensuring you maximize every benefit available.

Key Benefits

Up to 5% of the first mortgage loan amount for down payment and closing costs

Available as a 0%, non-amortizing, 30-year deferred second mortgage

Reduced upfront costs make homeownership more accessible

Can be combined with FHA, VA, USDA, and conventional loan types

Who Qualifies?

Over 50 professions are eligible, including:

Law Enforcement

Firefighters

Paramedics/EMTs

Teachers

Nurses

Military/Veterans

Child Care Workers

Social Workers

Healthcare Workers

Correctional Officers

Juvenile Detention

Government Employees

And many more! Contact Jonathan to check your eligibility.

Eligibility Requirements

Must be a first-time homebuyer (or not owned in the past 3 years)

Must be a full-time Florida employee in an eligible profession

Meet income limits for your county

Minimum credit score of 640

Complete a homebuyer education course

Must be purchasing a primary residence in Florida

Check Your Eligibility