18 Florida First-Time Home Buyer Assistance Programs

Grants and loans designed for first timers can help make your first home more affordable.
Kate Wood
By Kate Wood 
Updated
Edited by Dawnielle Robinson-Walker
15-florida-first-time-home-buyer-programs

Some or all of the mortgage lenders featured on our site are advertising partners of NerdWallet, but this does not influence our evaluations, lender star ratings or the order in which lenders are listed on the page. Our opinions are our own. Here is a list of our partners.

Struggling to buy a house? A Florida first-time home buyer grant may be able to help. These city or county programs provide money you can put toward a down payment, closing costs and other expenses that are typically part of the homebuying process.

What is a first-time home buyer grant?

First-time home buyer assistance is available throughout the Sunshine State. A variety of entities offer these grants, including local governments, community development organizations and nonprofits.

Some are true grants that don’t have to be repaid. Others are forgivable loans that don't have to be paid back if you reach a certain threshold, like having lived in the home for 10 years. Many are deferred, zero-interest loans. These loans don't accrue interest, but they do have to be repaid when you sell, refinance or finish paying off the primary mortgage. Even though they don't have required payments, it's a good idea to pay a little over time so you aren't stuck having to pay back a deferred loan all at once.

Each assistance program has its own terms, conditions and eligibility requirements, but generally, you must:

  • Be a first-time home buyer, as defined by the program.

  • Take a home buyer education course.

  • Stay within income limits.

  • Stay within purchase price limits.

  • Buy a property in an approved location.

  • Use the home as your primary residence.

In addition to the grants listed here, you may qualify for other Florida programs designed to make homebuying more affordable. The Florida Housing Finance Corporation offers mortgages packaged with assistance in the form of zero-interest deferred loans and forgivable loans that you might find helpful.

Mortgage loans from our partners

NBKC - PURCHASE logo
Check Rate

on NBKC

NBKC

5.0

NerdWallet rating 
NBKC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

Check Rate

on NBKC

New American Funding - PURCHASE logo
Check Rate

on New American Funding

New American Funding

4.5

NerdWallet rating 
New American Funding - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
500

Min. down payment 
3.5%

Check Rate

on New American Funding

Rocket Mortgage - PURCHASE logo
Check Rate

on Rocket Mortgage

Rocket Mortgage

5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
3.5%

Check Rate

on Rocket Mortgage

Veterans United - PURCHASE logo
Check Rate

on Veterans United

Veterans United

4.5

NerdWallet rating 
Veterans United - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

Check Rate

on Veterans United

Guaranteed Rate - PURCHASE logo
Check Rate

on Guaranteed Rate

Guaranteed Rate

5.0

NerdWallet rating 
Guaranteed Rate - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
3%

Check Rate

on Guaranteed Rate

Mortgage loans from our partners

NBKC - PURCHASE logo
Check Rate

on NBKC

NBKC

5.0

NerdWallet rating 
NBKC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

Check Rate

on NBKC

New American Funding - PURCHASE logo
Check Rate

on New American Funding

New American Funding

4.5

NerdWallet rating 
New American Funding - PURCHASE logo

4.5

NerdWallet rating 
Min. credit score 
500

Min. down payment 
3.5%

Check Rate

on New American Funding

Rocket Mortgage - PURCHASE logo
Check Rate

on Rocket Mortgage

Rocket Mortgage

5.0

NerdWallet rating 
Rocket Mortgage - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
3.5%

Check Rate

on Rocket Mortgage