First-Time Buyers

Florida First-Time Homebuyer Guide: Start With the Numbers

Reviewed September 2026 • Florida

Before touring homes, a first-time Florida buyer benefits from understanding the full monthly payment, cash needed for closing and which loan programs may fit.

Start with pre-approval

A mortgage conversation can help establish a realistic price range and identify documentation issues before they become contract issues.

Budget beyond principal and interest

Florida buyers should account for property taxes, homeowners insurance, possible flood insurance, association dues and mortgage insurance when applicable.

Ask about assistance—but verify availability

Florida Housing offers programs for eligible borrowers, including Hometown Heroes for qualifying first-time, income-qualified buyers in eligible workforce occupations. Program funding and eligibility can change, so availability should be confirmed when you are ready to purchase.

Do not choose a home price based on an assistance program until current eligibility and funding have been confirmed.

Talk with Michelle

Planning a Florida purchase? Michelle Brock, NMLS #2111417, serves mortgage clients throughout Florida through Certified Home Loans, NMLS #1806779.

Get Pre-Approved Contact Michelle