Florida Assist (FL Assist)

Florida Housing Finance Corporation offers Florida Assist (FL Assist) to first-time buyers in Florida: up to $10,000, as a deferred loan.

Amount: As much as $10,000
Type of help: A loan you repay later on
Just for first-time buyers: Yes
Your credit score: At least 640

How do you pay back Florida Assist (FL Assist)?

It's a deferred loan: a 0% loan that never gets forgiven. You pay it back when you refinance, sell, move out or hand the home to someone else.

There's no monthly cost with a deferred loan, but the entire amount is due once you refinance, sell or pay off the first mortgage.

Who can get Florida Assist (FL Assist)?

You must earn less than the limits set for the county where you buy.
Just first-time buyers (usually you haven't owned a home in the past three years).
Your credit score must be at least 640.
You complete a homebuyer education course before buying.
You use it with a Florida Housing first mortgage loan (conventional or FHA, VA, USDA).
The price cap depends on which county you buy in.

Most limits depend on your county and how big your household is. Our lookup of HUD income limits shows the median income for your area and where your household falls.

Applying for Florida Assist (FL Assist)

Florida Housing Finance Corporation sends this help through its approved lenders, meaning you apply with one of those lenders alongside your home loan.
The lender looks at your income, credit and the home, checks them against the program's rules and sets the money aside for you.
At closing, the help goes toward your down payment and your closing costs.

For all the rules and if it is accepting applications now, go to Florida Housing Finance Corporation's page for Florida Assist (FL Assist). To choose a lender, use the agency's participating lender list.

Talk to a lender about Florida Assist (FL Assist)

Tell us where you're buying and a lender that works with Florida's programs can tell you whether Florida Assist (FL Assist) fits you, and what you could combine with it.

Call 866-602-7460

Prefer not to call? Share your details and the lender will get in touch with you.

More Florida programs for first-time buyers

Florida Homeownership Loan Program (FL HLP) Second Mortgage:
As much as $12,500, a loan you repay.
Florida 3%, 4% and 5% HFA Preferred and HFA Advantage PLUS Second Mortgage:
Forgivable loan worth up to 5% of the home loan.
Florida Hometown Heroes Housing (HTH) Program:
Deferred loan worth up to 5% of the home loan, capped at $35,000.

All Florida programs for first-time home buyers · Down payment help for every state