Down Payment Assistance for First-Time Homebuyers in Florida: Solutions for Closing Cost Challenges

Closing Costs: A Struggle for Many Homebuyers

Buying a home is a big goal for first time buyers but saving for a down payment and closing costs can feel out of reach. While programs like USDA and VA loans offer no down payment options, many buyers still struggle with closing costs which can be 2-5% of the loan amount.


Florida Residents, You're in Luck!

Luckily Florida has several Down Payment Assistance (DPA) programs to help with this financial burden. The Florida Hometown Heroes Program is for first time buyers in professions like healthcare, education and law enforcement and offers up to $35,000 to help with down payment and closing costs. The Florida Assist Second Mortgage offers up to $10,000 in deferred, zero interest loans to be used for upfront costs and the HFA Preferred Grant gives buyers up to 5% of the loan amount as a grant that doesn’t have to be repaid.


Let's Get Started!

Even with USDA and VA loans that have no down payment, these programs can help with those last expenses and make home ownership a reality. Talk to an experienced mortgage advisor to see what’s available to first time buyers in Florida and get your dream home.

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Creating a personal connection with clients is key to distinguishing myself from most loan officers in the business. I believe the biggest difference is building relationships rather than focusing solely on sales. One way I do this is by sending a physical card to potential clients as soon as they fill out an application and provide their address. The card is a simple gesture, with no sales push—just a message saying, "I look forward to working with you. If you have any questions, let me know." In today's digital world, a physical touchpoint like this stands out, creating a unique and memorable connection. It's like a virtual handshake in an increasingly impersonal business environment.
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