Assistance is not all free money
Programs may be grants, forgivable loans, deferred second mortgages, or repayable loans. Sale, refinance, move-out, or payoff may trigger repayment.
Loan Programs
Florida down payment assistance
Eligible assistance can help qualified buyers cover part of the down payment or closing costs. Each program has its own geography, income, credit, occupancy, education, property, and repayment rules.
The first mortgage matters
Assistance is paired with an eligible first mortgage and may affect rate, payment, cash, or program choice.
Availability changes
Funding, limits, participating lenders, and program terms can change. Eligibility needs to be confirmed for the current transaction.
Compare with and without assistance
I will compare total payment, cash to close, future repayment, and long-term cost before recommending the option.
Written by Marta Lillard
25+ years of mortgage experience, explained in plain English.
Mortgage Broker · First Coast Mortgage Funding · NMLS #879436 · Licensed in Florida and Georgia
Questions about your options?