First Time Homebuyer Program
The First Time Homebuyer Program makes purchasing a home more affordable for
low-to-moderate income families and individuals by offering fixed, low-interest
rate mortgage loans. In addition, Florida Housing also offers down payment and
closing costs assistance to eligible borrowers, which can greatly reduce the
out of pocket expense to the buyer.
Use the First Time Homebuyer Wizard (Spanish
version here) to learn more about the
program and to find out if you qualify.
Local SHIP Program
Your county or city government
may offer down payment and closing costs assistance to eligible borrowers to
make a home more affordable for low-to-moderate income families and
individuals. This financing, and other opportunities to help you become a
homeowner, are provided through your local State Housing Initiatives
Partnership (SHIP) program.
Find a local SHIP office near
you by clicking here.
Homeownership Pool (HOP) Program
Pool (“HOP”) Program is a non-competitive and on-going program, with
Developers applying to become HOP Pool Members and reserving funds for eligible
homebuyers on a first-come, first-served basis. Homebuyers, whose adjusted
income does not exceed 80% AMI, purchasing a home through a HOP Pool Member,
may be eligible to receive a 0% deferred second mortgage loan for the lesser of
25% of the purchase price of the home, $70,000 or the amount necessary to meet
HOP Member Contact List (pdf)
Find an Affordable Apartment
a free, online affordable housing locator service that makes it easier to find affordable
rental housing around the State. This locator is part of Florida Housing’s
ongoing effort to respond to housing needs in general and specifically during
natural disasters. Floridahousingsearch.org provides real time information on
property vacancies, features and amenities, rents and deposits and detailed
information on the number of bedrooms and bathrooms. The locator also allows
users to map the location of the property.
begin your search for affordable rental housing, click here.
For general affordable housing
resources, please visit Housing Resources.