2018 Florida First Time Home Buyer Grant Programs!

Updated 9-19-2018

Programs & Grants for First Time Home Buyers that allow you to receive either grants of between $5000 to $15,000 or a 0%-zero-percent interest 2nd mortgage loan to purchase a home.

Below are some of the very best Florida First Time Home Buyer programs. Some of these programs don't have requirements for First Time Home Buyers. However some of the programs do require that you haven't owned a Principle Residence for the past 3 years. Typically, all these programs are called First Time Home Buyer Programs. 

This website is brought to you by your Down Payment Assistance experts at Mid Florida Realty

To be Pre-Qualified or discuss the individual programs for Hillsborough, Pinellas, Pasco, Lake, Polk, Orange, Osceola, Hernando, Seminole, Volusia, Duval, Clay, St Johns, Nassau, Putnam. Lee, Collier, Charlotte, Miami-Dade, Broward, St Lucie, and Palm Beach Counties please apply below or call 863-800-1011

Telephone support is NOW offered for all Florida counties.

Simple & Free! Click Here TO BE PRE-APPROVED

Did you know you can purchase a Florida home with as little as $2500 down? Call us we'll let you know! 

- $1500 Earnest money deposit
- $400 Professional home inspection
- $450 Lender's appraisal


2018 NON-HHF Conventional Income and Purchase Limits
2018 NON-HHF - FHA Income and Purchase Limits
2018 Pinellas - Pasco - Polk Income and Purchase Limits
2018 Own A Home Opportunity Grant Income Limits
2018 Sapphire - House 2 Home Income and Loan Limits

100% Financing available for Teachers and all State and County School System Employees in the following Counties: Collier, Lee, Charlotte, Hillsborough, Desoto, Manatee, Sarasota, Polk, Pinellas, Hernando, Pasco, Duval, Clay, Volusia, St Johns, St Lucie, Palm Beach, Orange, Seminole, Osceola and Lake Counties.

First Responders 100% Financing available for Nurses, Military (Active & Inactive), Policemen, EMT's, and Firefighters in the following Counties: Osceola, Seminole, Orange, Lake, St Lucie, Palm Beach, Volusia, St Johns, Clay, Duval, Desoto, Manatee, Sarasota, Hillsborough, Pinellas, Polk, Pasco, Lee, Collier, Charlotte and Hernando counties.

House 2 Home FHA Down Payment Assistance for ALL Florida Counties

2018 FHA - (HFA) Housing Finance Authority Home Sweet Home Down Payment Assistance program for Hillsborough County, Duval County, Jacksonville (city limits), Clay County and Brevard County. 

2018 Conventional Preferred Plus Down Payment Assistance

Power Purchase Program Reduced Mortgage Insurance

Rent-To-Own Program

Start Florida Rent-to-Own Process NOW

Power Purchase Plus Program NO Mortgage Insurance

2018 FHA Manatee County Florida Key Ownership Program Homebuyer Down Payment Assistance Bond Program

Miami-Dade HFA Down Payment Assistance Program

(Broward, Volusia, Lee, Sarasota, Manatee, Charlotte, Collier, DeSoto, St Johns, Broward & Palm Beach Counties only)

Chenoa FHA Down Payment Assistance 2nd Mortgage Loan
NO Income Restrictions

Chenoa FHA Down Payment Assistance
Forgivable 2nd Mortgage Loan

2018 FHA - Housing Finance Authority Home Key Down Payment Assistance program for First Time Home Buyers
Pinellas County - Pasco County - Polk County

2018 Florida FHA State Bond Preferred Down Payment Assistance Program for All Florida Counties including Orange County, Osceola County, Lake County, Hernando County, Putnam County and Nassau County.

USDA / Rural Development Loans

VA Loans

Federal Home Loan Bank Down Payment Assistance Grant

2018 Polk County Keystone Challenge Fund for Polk County State Housing Initiatives Partnership Program for Moderate Income residents. 

2018 City of Lakeland Keystone Challenge Fund State Housing Initiatives Partnership Program for Moderate Income residents. 

Simple & Free! Click Here to be Pre-Approved

Many of these programs are available throughout the entire State of Florida. This website is sponsored by Mid Florida Realty

NOTICE: This is not a commitment to lend or extend credit. Restrictions may apply. Information and/or data is subject to change without notice. All loans are subject to credit approval. Not all loans or products are available in all states/counties.This website has no affiliation with the State of Florida.