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

Perfect — here’s your blog with a reference link included so readers can learn more directly from Florida Housing:

Florida’s 2025 Hometown Heroes Program: A Homeownership Opportunity for Community Servants

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.

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.

?? You can find full program details directly on the Florida Housing official website here: Florida Hometown Heroes Program – Florida Housing

What’s New in 2025?

  • Launch Date: August 18, 2025 — Applications officially open through participating lenders.

  • $50 million in funding allocated for 2025 — less than in previous years, so funds may run out quickly.

  • Stricter eligibility: Only full-time workers in specific frontline roles now qualify—such as healthcare workers, school staff, first responders, child-care workers, court employees, veterans, and active-duty military.

Program Benefits at a Glance

Benefit Details
Assistance Amount Up to 5% of first mortgage (max $35K, min $10K)
Loan Type 0% deferred second mortgage—no monthly payments
Repayment Triggers Sale, refinance, deed transfer, or change of primary residence
Eligible Loan Types FHA, VA, USDA-RD, and Conventional loans
Additional Features Competitive interest rates, waived origination/discount points, reduced upfront fees

Who Qualifies?

  • First-time homebuyers (or those who haven’t owned a home in the past three years)—Veterans are exempt from this requirement.

  • Full-time (35+ hours/week) employment with a Florida-based employer in one of the eligible occupations.

  • Income limits apply—typically up to 150% of Area Median Income (AMI), depending on county.

  • Must use the home as a primary residence.

What You Should Do Now

  1. Verify your eligibility—check your occupation and county income limits.

  2. Connect with an approved lender—only they can submit your application.

  3. Get pre-approved and under contract—your application must be active when funding opens on August 18.

  4. Act fast—funds are limited and in high demand.

Why It Matters

The Hometown Heroes Program isn't just about buying a home—it’s about rewarding those who serve our communities. With down payment support, waived fees, and favorable loan terms, this assistance helps reduce financial barriers and promote community stability.

Ready to explore this opportunity?
Contact me today to check your eligibility and get connected with a participating lender before funds run out.

?? 407-697-4311
?? www.BuildingFloridaRealEstate.com

 

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