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What is the Florida Homebuyer Loan Program?

The information contained on this site is for informational purposes only. In order to determine if you qualify for our Program and to determine the correct Program income and Purchase Price Limits, please contact an approved lender in your area from the Lender List below. Our approved loan officers can also assist you with any questions you may have specific to your credit history. Florida Housing’s First Time Homebuyer (FTHB) Program offers 30-year fixed rate FIRST mortgage loans to first time homebuyers through participating lenders and lending institutions throughout the State of Florida. Eligible borrowers may also participate in one of Florida Housing’s second mortgage programs to assist borrowers with down payment assistance and closing costs.

If you are not a first time homebuyer, you may still be eligible to participate if you are purchasing a home in a federally designated targeted area or if you are a qualified Veteran.

The First Time Homebuyer Program uses income and purchase price limits to determine eligibility. Additionally, potential borrowers must:
  • Complete a Homebuyer Education Class
  • Qualify for a Mortgage Loan and have a qualifying FICO Score.