Florida Housing Finance Corporation
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Homebuyers and Renters
Homebuyers and Renters

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Information for Developers

Information for Renters


Homebuyer Loan Programs
The Homebuyer Loan Programs make 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 Homebuyer Loan Programs 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
The Homeownership 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 underwriting criteria.

HOP Member Contact List (pdf)


Find an Affordable Apartment
Floridahousingsearch.org is 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.

To begin your search for affordable rental housing, click here.

For general affordable housing resources, please visit Housing Resources.