Florida Hometown Heroes Housing (HTH) Program

Florida Housing Finance Corporation offers Florida Hometown Heroes Housing (HTH) Program to first-time buyers in Florida: as much as 5% of your home loan, but no more than $35,000, as a deferred loan.

Amount: As much as 5% of your home loan, but no more than $35,000
Type of help: A loan with delayed payments
Open only to first-time buyers: Yes
Credit score needed: At least 640

How do you repay Florida Hometown Heroes Housing (HTH) Program?

You owe nothing month to month on this deferred 0% loan for up to 30 years; it is never written off. It becomes due when you sell, refinance, move out or hand the home to someone else.

You pay nothing monthly on a deferred loan, but the full balance comes due if you sell, refinance or finish paying the first mortgage.

Who can get Florida Hometown Heroes Housing (HTH) Program?

Your income and loan must fall within the 2026 Hometown Hero limits chart.
You must be a first-time buyer (usually meaning you haven't owned a home in the past three years).
Your credit score must be at least 640.
The Hometown Heroes program pairs this help with a first mortgage that is Conventional or FHA, VA, RD (USDA).

Your county and household size set most limits. To see the median income in your area and where your household falls, use our HUD income limits search.

Applying for Florida Hometown Heroes Housing (HTH) Program

Apply for this help and your home loan together through an approved lender; Florida Housing Finance Corporation funds it that way.
Your lender reviews credit, income and the home under the program's rules, then reserves the money on your behalf.
At closing, the money goes toward your down payment and closing costs.

For complete rules and current application status, visit Florida Housing Finance Corporation's page for Florida Hometown Heroes Housing (HTH) Program. The agency also has approved lenders you can contact.

Questions about Florida Hometown Heroes Housing (HTH) Program? Ask a lender

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

Call 866-602-7460

Don't want to call? Share your information and the lender will contact you.

More Florida programs for first-time buyers

Florida Assist (FL Assist):
As much as $10,000 as a deferred loan.
Florida Homeownership Loan Program (FL HLP) Second Mortgage:
As much as $12,500 as a loan you repay.
Florida 3%, 4% and 5% HFA Preferred and HFA Advantage PLUS Second Mortgage:
As much as 5% of the home loan as a forgivable loan.

Every Florida first-time home buyer program · Down payment help in every state