Florida First-Time Home Buyer Programs of 2023

Phil Metzger
By Phil Metzger 
Updated
Edited by Johanna Arnone

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Homeownership can feel out of reach, especially if you have never purchased a home and aren’t sure whether you’ll qualify for a mortgage. That’s why the Florida Housing Finance Corp., known as Florida Housing, offers several programs to help Floridians buy a home. But the good news doesn’t stop there.

National mortgage programs can also help you overcome obstacles to homeownership, especially if you have a low credit score or aren’t able to save a big down payment. Learn more about all of your options for buying a home in the Sunshine State below.

Florida Housing highlights and eligibility

Highlights

  • 30-year fixed-rate mortgages for first-time home buyers, veterans and active-duty military members.

  • Available in all of Florida’s 67 counties.

  • Loans can be combined with down payment or closing cost assistance programs.

  • Mortgage interest tax credit available.

Eligibility

Mortgage loans from our partners

Next Door Lending LLC - PURCHASE logo
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on Next Door Lending LLC

Next Door Lending LLC

5.0

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Next Door Lending LLC - PURCHASE logo

5.0

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Min. credit score 
580

Min. down payment 
0%

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on Next Door Lending LLC

Rocket Mortgage - PURCHASE logo
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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%

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on Rocket Mortgage

NBKC - PURCHASE logo
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on NBKC

NBKC

5.0

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NBKC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
620

Min. down payment 
0%

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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

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%

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on Veterans United

Mortgage loans from our partners

Next Door Lending LLC - PURCHASE logo
Check Rate

on Next Door Lending LLC

Next Door Lending LLC

5.0

NerdWallet rating 
Next Door Lending LLC - PURCHASE logo

5.0

NerdWallet rating 
Min. credit score 
580

Min. down payment 
0%

Check Rate

on Next Door Lending LLC

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

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