Florida’s 2025 Hometown Heroes Program: A Homeownership Opportunity

What Is the Hometown Heroes Program?

Launched by the Florida Housing Finance Corporation under the Live Local Act, this program provides first-time, income-qualified buyers with up to 5% of the first mortgage value (capped at $35,000) to cover down payment and closing costs.

This assistance is structured as a 0% interest, 30-year deferred second mortgage, which is only payable if you sell, refinance, transfer the deed, or stop using the home as your primary residence.

Florida Hometown Heroes Housing

Are you a teacher, healthcare worker, first responder, or childcare provider in Florida? Or perhaps you're a veteran or active military member. If so, you may qualify for the Florida Hometown Heroes Housing (HTH) Program—your chance to turn homeownership dreams into reality
Who Qualifies?
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