Florida Home Purchase Program

2026 FLORIDA HOMETOWN HEROES

This program provides down payment and closing cost assistance to first-time, income-qualified homebuyers so they can purchase a primary residence in the community in which they work and serve.

To further assist ‘HTH’, Hometown Hero, eligible borrowers, Florida Housing added $7MM in additional funding received from HTH loan repayment. To track funding availability and program interest rates, please contact your dedicated Florida Loan Officer.

Notable Updates:

  • 5% Of the TOTAL Loan Amount capped at $35,000, with a minimum of $10,000 in downpayment and closing cost assistance.
    For example, borrowers with a loan amount of $200,000 or less would receive an automatic $10,000.

  • One occupying borrower must be employed in an eligible occupation.

  • Only one borrower is required to meet this eligibility (excluding non-occupying co-signors).
    · Active-Duty Military must provide a current Leave
    and Earnings Statement (LES).
    · Co-signors do not fulfill this requirement.
    · Veterans must also meet the occupational requirement and are not exempt.

  • Bond & TBA programs are available

This is not a commitment to lend or an offer for a rate lock agreement; a pre-qualification is based on a preliminary review of information provided and limited credit information. All home financing transactions are subject to verification of application information, satisfying all underwriting conditions and requirements, and property eligibility, including appraisal and title report. You must carry insurance on the property that secures the transaction, and flood insurance may be required. Any taxes or additional conditions imposed by the city, county or state that the subject property is located in will be the borrower’s responsibility.

Minority Family Qualifies for HomeBoost Down Payment Assistance

Contact us for more info.

Eligible Occupations for Florida Hometown Heroes (HTH) Loan Program

Participants must be employed FULL-TIME and CURRENTLY employed by a Florida based employer.

Examples include, but not limited to:
Healthcare Workers – Including, but not limited to:

Advanced Practice Registered Nurse (APRN), Clinical Nurse Specialist, Licensed Practical Nurse (LPN), Nurse Anesthetist, Nurse Midwife, Nursing Assistant (CNA), Nursing Technician, Registered Nurse (RN), Anesthesia Support Technician, Cardiology Technician, Clinical Technician, CT Technician, ER Technician, Laboratory Technician (e.g. Phlebotomist, Monitor Technician, Neurology, Nuclear Medicine, Orthopedic, Radiation, Rehabilitation, Sonographer, Surgical, X‑ray), Medical Therapists (Audiology, Occupational, Physical, Respiratory, Speech), Physicians & Pharmacists (Anesthesiologist, Assistant; Chiropractor; Dentist; Hearing Aid Specialist; Nuclear Pharmacist; Optician; Orthotist; Pharmacist; Physician; Physician Assistant; Prosthetist), Mental Health Workers (Psychiatrist; Psychologist; Behavioral Health Technician; Behavioral Therapist; Mental Health Specialist; Social Worker), Other Health‑Related Roles (Acupuncturist; Assisted Living Administrator; Genetic Counselor; Home Health Aide; Massage Therapist; Medical Assistant; Patient Care Assistant; Patient Transporter)

School Staff Members (K–12, FL‑based)

Classroom Teacher, Assistant Principal, Principal, School Counselor, School Psychologist, Librarian / Media Specialist, Career Specialist (Guidance Counselor), Social Worker, Teacher Aide, Maintenance / Janitorial Staff, Food Service / Cafeteria Staff

First Responders

Emergency Medical Tech. (EMT), Paramedic, Firefighter

Public Safety Workers

Sworn Law Enforcement Officer (Local, State, Federal), 911 Public Safety Communicator (Dispatcher/Operator), Adult Protective Services Enforcement (DCF), Child Protective Services Enforcement (DCF), Correction Officer, Correctional Probation Officer, Juvenile Detention Officer, Juvenile Probation Officer

Court Employees

Assistant Public Defender, Assistant State Attorney, Attorney, Court Clerk, Court Reporter (Stenographer), Judge

Child Care Workers

Staff at licensed licensed or registered child care facilities or family day care homes (per §§402.301–402.316 FL statutes)

Military & Veterans

Active-duty member of U.S. Armed Forces, U.S. Coast Guard or reserves, or Florida National Guard, Veteran
(discharged under conditions other than dishonorable) employed full-time by