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Down payment Assistance Program

Florida Housing also offers down payment and closing cost assistance in the form of a second mortgage loan to assist eligible homebuyers with their down payment and closing costs. Down payment assistance is only available when used in conjunction with Florida Housing's first mortgage loan.

Down payment assistance is NOT available as "stand alone" down payment assistance. It is only available when used in conjunction with one of Florida Housing’s Homebuyer Programs.

The Florida Assist (FL Assist)

Borrowers purchasing in the county selected may also be eligible to receive down payment assistance (DPA) through the FL Assist Second Mortgage Program. The FL Assist offers the following:

  • Up to $7,500.
  • 0%, deferred second mortgage.

The FL Assist is not forgivable. Repayment is deferred, except in the event of the sale, transfer, satisfaction of the first mortgage, refinancing of the property or until such a time the mortgagor ceases to occupy the property at which time, the Florida Assist will become payable in full.

3% HFA Preferred Grant

Borrowers utilizing this down payment and closing cost program receive 3% of the purchase price of the home being purchased in the form of a non-repayable grant.

For more information, please visit our Homebuyer Program Wizard.

@ Florida Housing Finance Corporation. All Rights Reserved.