The Florida Hometown Heroes Program is a state-funded initiative designed to make homeownership more accessible and affordable for first-time homebuyers who work full-time for a Florida-based employer. In 2025, the program offers eligible buyers up to $35,000 in down payment and closing cost assistance through a 0% interest, non-amortizing, and deferred second mortgage—meaning no monthly payments and nothing due until the home is sold, refinanced, or no longer used as a primary residence. This powerful program is open to a wide range of professions and industries, not just traditional “heroes” like teachers, healthcare workers, and first responders. Whether you work in hospitality, retail, construction, or any qualifying field, if you meet the income and credit guidelines, you may be eligible. With expanded income limits for 2025, more Floridians can take advantage of this opportunity to finally stop renting and start building wealth through homeownership.
