Florida Homebuyer Grants & Down Payment Assistance.
Buying a home may require less cash up front than you think. Explore current official resources for statewide Florida, Palm Beach County and Broward County assistance—and ask Michelle which options may fit your financing.
Current Assistance Opportunities
Program funding, eligibility, income limits and assistance amounts can change. These cards link to the official administering agencies so you can check the latest information.
Florida Housing Homebuyer Assistance
Florida Housing offers first-mortgage programs paired with down-payment and closing-cost assistance. Current options include FL Assist, FL HLP and certain HFA PLUS second-mortgage programs. These are not all grants; repayment terms vary.
Check official Florida Housing programs →Florida Hometown Heroes
For qualifying first-time, income-qualified buyers in specified workforce occupations, military service and veteran categories. Current 2026 assistance can be up to 5% of the first mortgage, subject to program minimums, maximums and funding. The assistance is a deferred second mortgage, not a forgivable grant.
Check Hometown Heroes →Purchase Assistance
Palm Beach County's 2026 housing portal lists purchase assistance for eligible first-time buyers, including potential gap financing, down-payment and closing-cost support. Funding is expressly subject to availability.
Check Palm Beach County availability →Home Buyer Purchase Assistance
Broward County offers purchase assistance for qualified buyers in areas served by the county. The buyer's lender applies on the client's behalf, and available funding varies by area and program.
Check Broward County funding →SHIP Assistance
Florida's SHIP program distributes housing funds to counties and participating cities. Local plans may include down-payment, mortgage and closing-cost assistance, with rules set by the local government.
Find local SHIP resources →Programs That Open & Close
Some opportunities are offered only during limited application windows. For example, Palm Beach County's 2026 Homebuyer Match Pilot offered a dollar-for-dollar match up to $50,000, but that application window is currently closed. Ask Michelle about current or upcoming opportunities.
See current PBC opportunities →Grant, forgivable loan, or second mortgage?
“Down payment assistance” is a broad term. Some programs provide forgivable assistance, while others use deferred or amortizing second mortgages that may become due when you sell, refinance, transfer the home or stop occupying it as your primary residence. The structure can affect cash-to-close, monthly obligations and future refinancing.
Could you qualify?
Eligibility can depend on income, household size, purchase price, property location, first-time-buyer status, occupation, credit, homebuyer education, available funding and the first-mortgage program being used. A pre-approval can help determine which programs are realistic for your purchase.
Ask Michelle About Homebuyer Assistance
Tell me where you want to buy, your approximate price range and whether you're a first-time buyer. I'll help you identify assistance programs worth investigating alongside your mortgage options.
Important: Program information is educational and based on official sources reviewed September 5, 2026. Funding and program rules can change or expire without notice. Assistance is not guaranteed. Final eligibility is determined by the applicable program administrator and lender. Loan programs, terms, rates and availability are subject to qualification and change.