Get Started!

It takes less than 30 seconds to move toward homeownership. And it is free. Let us help you.

Florida Housing Finance Corporation

CONTACT US FOR MORE ANSWERS

HOMEBUYERS

First Time Homebuyer Program
The First Time Homebuyer Program makes purchasing a home more affordable for low-to-moderate income families and individuals by offering fixed, low-interest rate mortgage loans. In addition, Florida Housing also offers down payment and closing costs assistance to eligible borrowers, which can greatly reduce the out of pocket expense to the buyer.

Use the First Time Homebuyer Wizard to learn more about the program and to find out if you qualify.

Local SHIP Program

Your county or city government may offer down payment and closing costs assistance to eligible borrowers to make a home more affordable for low-to-moderate income families and individuals. This financing, and other opportunities to help you become a homeowner, are provided through your local State Housing Initiatives Partnership (SHIP) program.

First Time Homebuyer Program

Florida Housing’s First Time Homebuyer Program (FTHB) offers 30-year fixed interest rate mortgage loans to first time homebuyers through its network of participating lenders and lending institutions. However, if you are not a first time homebuyer, you may still be eligible for this program if you are purchasing a home in a federally designated targeted area or are a qualified Veteran. This program uses income and purchase price limits to determine eligibility. Additionally, a potential homebuyer must complete a 6-8 hour face to face homebuyer education class, be able to qualify for a mortgage, and have a minimum 640 FICO score. Borrowers are required to contribute a minimum of $1000 of their own funds into the transaction. Gift Funds meeting Agency guidelines are allowed.