Florida Down Payment Assistance Programs

 At South Florida Mortgage, we understand that saving for a down payment is one of the biggest obstacles for homebuyers—especially first-time buyers. That’s why we specialize in connecting you with the best Down Payment Assistance (DPA) programs in Florida that can help you move into your home faster—with less out-of-pocket cost. 

Down Payment Assistance programs are grants, second mortgages, or forgivable loans offered by state, county, and city housing authorities to help buyers cover the upfront costs of purchasing a home—most often the down payment and closing costs.

These programs are designed to bridge the gap between what you can afford and what you need to purchase a home—making homeownership more affordable and accessible.

 As a trusted mortgage brokerage serving all of Florida, we guide our clients through the full range of assistance options, including:

• Florida Hometown Heroes Program
• Florida Assist Second Mortgage (FL Assist)
• Florida Bond Programs (FL First)
• Local programs by cities and counties (e.g., Miami-Dade, Broward, Palm Beach, Orlando, Tampa, Jacksonville, etc.)
• Nonprofit and employer-based DPA grants
• FHA, VA, and USDA loans with DPA options 

We help you determine what you qualify for, what your repayment terms (if any) would be, and how to layer programs for maximum benefit. 

You don’t have to save for years. Let’s explore your down payment assistance options today and take the first step toward your new home.

👉 Contact South Florida Mortgage to schedule your free consultation or get pre-approved now.