The Free Florida Down Payment Assistance Guide
A plain-English walkthrough of Florida Housing, Hometown Heroes, and how to actually get down payment help in Florida, written for buyers. Get the guide, or just talk it through with Mike.
What is inside the guide
The guide walks a Florida buyer through the whole picture in plain language: how the three statewide options differ, how much you can actually get, whether the help is repaid or forgiven, and what it takes to qualify. It covers the county programs, the credit and income rules, and the real story on Hometown Heroes, the $35,000 cap and the funding cycles. No jargon, no sales pitch, just what you need to decide whether Florida down payment assistance is right for you.
Prefer to just talk it through?
Some buyers would rather skip the reading and get a straight answer, including whether Hometown Heroes is funded right now. That is fine, tell Mike your county, credit range, and whether you have owned before, and he will map your Florida options in a 20-minute call. No obligation, no pressure. Call (480) 296-6513 or start the quiz above.
Common questions
What does the Florida down payment assistance guide cover?
It covers the three statewide Florida Housing options (FL Assist, FL PLUS, Hometown Heroes), the county programs, the 640 credit floor, county income and price limits, the loan types that qualify, and the real story on Hometown Heroes' $35,000 cap and funding cycles.
Is the Florida down payment guide really free?
Yes. The guide is free with no obligation. You can read it and decide on your own, or reach out to Mike Certo to talk through your specific situation, including whether Hometown Heroes is currently funded.
Get the guide or talk to Mike
Tell us your county, credit range, and price target, and we’ll map your Florida path in a no-pressure 20-minute call. No obligation.