Florida HFA Preferred or Advantage Plus Conventional Loan

State program

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Best for

Low down payment

Closing cost assistance

What you need to know

First-time homebuyers who qualify for this 30-year fixed-rate loan can get 3%, 4% or 5% of the total loan amount in down payment and closing cost assistance. Help with these costs is provided as a second mortgage and is forgiven over the course of five years.