Save Thousands When Buying a Home

Receive up to 5 percent of the first mortgage loan amount (maximum of $25,000) in down payment and closing cost assistance

Verify Your Hometown Heroes Eligibility
People from Heroes Occupations Standing Together

Florida Hometown Heroes Housing Program

Almost all frontline workers earn less than $62,000 per year, the minimum wage required to afford a median-priced home in the state. EMTs and paramedics, for example, earn an average of $33,660, whereas firefighters and elementary school teachers earn $49,870 and $33,660, respectively.

The Hometown Heroes (HTH) Housing Program makes housing affordable for eligible “frontline” workers, educators, police officers, healthcare providers, childcare, firefighters, nurses, military personnel, and others by providing down payment and closing cost assistance to qualified homebuyers.

The Florida Hometown Heroes Loan Program offers a lower first mortgage rate AND additional special benefits to those who currently serve their communities and those who have served and continue to serve their country.

Down Payment Assistance

The program will reduce the upfront costs for homebuyers by providing zero-interest loans to help with down payment and closing costs

5% Of the Total Loan Amount Capped at $25,000, Use Any Excess to reduce LTV.

30 Year Term, 0%, Non-Amortizing, No Monthly Payments

Repayable when borrower sells, refinance's, transfers deed, or vacates as their primary residence

Eligibility Requirements

To qualify for the program, homebuyers will need to go through a participating loan officer, have a minimum credit score of 640, provide certification for one of the eligible occupations, and meet the income threshold for their county.

First Time Homebuyer

An applicant must be a first-time homebuyer to be considered for the FL Housing Hometown Heroes program. This implies they shouldn't have shown any ownership interest in a primary house in the three years leading up to the execution of the Mortgage Loan.

Income Limit

An applicants must meet the qualifying income requirements stipulated by FL Housing. The income limit puts a cap above which an individual cannot qualify for a mortgage. Only applicants with salaries below 150 % of the county's median income are considered.

Credit Score

A FICO rating of at least 640 is required for all applicants. The back-end debt-to-equity ratio for people with FICO scores in the 640-679 range must be less than 45 percent. People with scores above 680 may qualify with back-end DTI of up to 50 percent.

Occupations Eligible For Participation

Workers in more than 50 professions deemed key to the state of Florida can now get help with the down payment for their first home

  • 911 Public Safety Communicator
  • Active Military Personnel
  • Acupuncturist
  • Anesthesiologist
  • Athletic Trainer
  • Career Specialist
  • Certified Basic X-Ray Machine Operator
  • Certified Correction Officer
  • Certified Emergency Medical Technician (EMT
  • Certified General Radiographer
  • Certified Medical Assistant
  • Certified Nurse Midwife
  • Certified Nursing Assistant (CNA)
  • Certified Paramedic
  • Certified Radiologic Technologist
  • Certified Radiology Assistant
  • Childcare Instructor
  • Chiropractic Physician
  • Classroom Teacher
  • Clinical Laboratory Personnel
  • Clinical Social Worker
  • Correctional Probation Officer
  • Dentist & Dental Hygienist
  • Electrologist
  • Firefighter
  • Hearing Aid Specialis
  • Home Health Aide
  • Juvenile Detention Officer
  • Juvenile Probation Officer
  • Librarian/Media Specialist
  • Licensed Childcare Operator
  • Licensed Dietician or Nutritionist
  • Licensed Medical Physicist (X-Ray)
  • Licensed Nutrition Counselor
  • Licensed Practical Nurse (LPN)
  • Marriage & Family Therapist
  • Massage Therapist
  • Mental Health Counselor
  • Nursing Home Administrator
  • Occupational Therapist
  • Occupational Therapist Assistant
  • Optician
  • Orthotic Fitter
  • Orthotic Fitter Assistant
  • Osteopathic Physician
  • Pharmacist
  • Pharmacy Technician
  • Phlebotomist
  • Physician
  • Physician Assistant
  • Physical Therapist
  • Physical Therapist Assistant
  • Podiatric Physician
  • Prosthetist
  • Prosthetist Orthotist
  • Psychologist
  • Registered Nurse (RN)
  • Respiratory Therapist
  • School Counselor
  • School Psychologist
  • Social Worker
  • Specialty Technologist
  • Speech Language Pathologist or Audiologist
  • Speech-Language Pathology Assistant
  • Speech Language Audiologist Assistant
  • Sworn Law Enforcement Officer
  • Veterans
  • Veterinarian
  • Veterinarian Assistant or Technician

Note - Sworn law enforcement officers, veterans, active duty military and surviving spouses do not have to be first time home buyers to take part.

Documentation Required When Applying

The borrowers must submit the following documentation to prove they qualify for the program.

Fully executed HTH Loan Program Attestation from borrower(s)-Pre-closing Form

Copy of State of Florida License or Certification

Copy of VOE (Validating Full-time Employment)

We are Here to Help You

We are dedicated to finding great rates and loan options for our customers while offering some of the fastest turn times in the industry. Our goal is to act as a trusted advisor, providing highly personalized service and helping you through every step of the loan process — from application to closing and beyond. It’s all designed to exceed expectations, provide satisfaction and earn trust.