Florida Down Payment Assistance

Florida Down Payment Assistance

Buy a Home With Little to No Money Down

What Is Down Payment Assistance?

Florida Statewide Programs

Florida Assist

HFA Preferred & HFA Advantage

State Bond Programs

General Eligibility Requirements

County & City Programs

Local Programs Near You

How Local Programs Work

Eligibility Overview

Who Is This Ideal For?

How the Process Works

Frequently Asked Questions

Let's See What You Qualify For

LOAN PROGRAMS

State, county, and city down payment assistance programs available for FHA and Conventional loans. Credit scores starting as low as 580.

Down payment assistance (DPA) programs help qualified homebuyers cover the upfront costs of purchasing a home. These programs provide funds that can be used for your down payment, closing costs, or both — making homeownership achievable even if you have limited savings.

Florida offers numerous assistance options at the state, county, and city levels. These programs can be combined with FHA loans or Conventional loans to minimize your out-of-pocket expenses.

The Florida Housing Finance Corporation (Florida Housing) offers several down payment assistance programs for qualified buyers.

Provides up to $10,000 as a 0%, non-amortizing, deferred second mortgage. No monthly payments required — repaid when you sell, refinance, or pay off your first mortgage.

Special loan programs offering reduced mortgage insurance and flexible underwriting. Can be combined with down payment assistance for maximum benefit.

Below-market interest rates paired with down payment assistance. These programs use mortgage revenue bonds to fund affordable housing opportunities.

Many Florida counties and municipalities offer their own down payment assistance programs in addition to state programs.

Local programs often have unique benefits and may have less competition than statewide programs. Availability, income limits, and funding cycles vary by municipality.

Note: Program availability and funding levels change throughout the year. We recommend contacting us to verify current availability in your specific area.

Each municipality sets its own eligibility criteria and income limits

Funding is typically available on a first-come, first-served basis

You may be able to combine local and state programs

Programs may require you to work with approved lenders

Down payment assistance programs have specific requirements. Here is what you typically need to qualify.

We guide you through every step to secure down payment assistance and close on your new home.

Every situation is unique. Let us review your options and match you with the best down payment assistance programs available in your area.

No obligation. No impact to your credit score to check eligibility.

Licensing and Regulatory Information Barrett Financial Group LLC dba Buck Mortgage Solutions LLC. NMLS ID 181106. Buck Mortgage Solutions LLC is a trade name of Barrett Financial Group LLC. Licensed by the appropriate state and federal regulatory authorities and operating in accordance with applicable CBR regulations, the Secure and Fair Enforcement for Mortgage Licensing Act, and all other governing mortgage lending laws. For licensing information, please visit the Nationwide Multistate Licensing System and Registry at www.nmlsconsumeraccess.org.

Equal Housing Opportunity We are an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, marital status, age, disability, receipt of public assistance income, or any other characteristic protected by applicable law.

Loan Approval and Terms All loan programs, interest rates, fees, and terms are subject to change without notice. Loan approval is subject to credit approval, property approval, verification of income and assets, and underwriting requirements. Not all applicants will qualify. This website is for informational purposes only and does not constitute a commitment to lend.

Advertising and APR Disclosure Any rate, payment, or annual percentage rate information provided is for illustrative purposes only and may not reflect current market conditions. The Annual Percentage Rate (APR) includes certain fees and costs associated with the loan. Your actual rate, payment, and costs may vary based on credit profile, loan amount, property type, occupancy, and other factors.

Third Party Links This website may contain links to third party websites. Barrett Financial Group LLC and Buck Mortgage Solutions LLC are not responsible for the content, accuracy, or security of external sites.

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