Florida Hometown Heroes Housing Program - Jacksonville

Program Overview

The Florida Hometown Heroes Housing Program helps makes homeownership affordable for eligible community workforce. This statewide program provides down payment and closing cost assistance to first-time, homebuyer, full-time employees working in Florida.

Note for Jacksonville Buyers: This program is often "stacked" with other loans, but you must verify with a lender if it can be combined with specific City of Jacksonville programs.

Assistance Amounts

Amount: Typically 5% of the first mortgage loan amount.
Maximum Cap: Up to $35,000.
Structure: 0%, non-amortizing, 30-year deferred second mortgage.
Repayment: Due when home is sold, refinanced, deed transferred, or if you no longer occupy as primary residence.

Who Is Eligible?

The program is intended for full-time working professionals in Florida. Common eligible occupations include, but are not limited to:

Veterans & Active Military
Teachers & Educators
Law Enforcement Officers
Firefighters & Paramedics

Healthcare Professionals
Childcare Operators
Correctional Officers
And many more...

*Must be a first-time homebuyer (exceptions often apply for veterans).

Loan & Property Requirements

Loan Types: Compatible with FHA, VA, USDA, and Conventional loans.
Credit Score: Minimum 640 FICO score typically required.
Education: At least one borrower must complete homebuyer education.
Income Limits: Limits vary by county (Duval limits apply for Jacksonville purchases).

Funding Alert

Funding for this program is allocated by the state legislature and is often limited. Funds are distributed on a first-come, first-served basis. Windows for funding availability may open and close throughout the year.

Get Started

Work full-time in Florida?

First-time buyer or Veteran?

Credit score of 640+?

Check Availability

Looking for City specific aid?

View Jacksonville H2H Program →