🏡 Florida Hometown Heroes Program Returns July 1, 2025 — with $100 Million in Assistance!
Dustin Overton, REALTOR, Blue Marlin Real Estate • June 18, 2025
Florida’s Hometown Heroes program is back — and better than ever! Launching July 1, 2025, this statewide initiative returns with a massive $100 million in funding, offering up to $35,000 in down payment and closing cost assistance to eligible first-time homebuyers.
Who Qualifies for the 2025 Hometown Heroes Program?
- Florida-based full-time workers (35+ hours/week), including:
- Teachers, Nurses, Healthcare Professionals
- First Responders (Police, Firefighters, EMS)
- Veterans & Active-duty Military
- Office staff & remote workers employed by Florida companies britenteam.com+1instagram.com+1
- First-time homebuyers (no ownership in past 3 years)—veterans are exempt
- Income limits up to 150% of Area Median Income (AMI), based on county
- Minimum credit score requirement: 640 (may vary by loan type)
- Properties eligible: Single-family homes, condos, townhomes, manufactured homes, and 2–4 unit properties (owner-occupied)
Why This Is a Big Deal
- $100 million in funding sets a hopeful tone—but remember, this is first-come, first-served, and funds will run out fast. britenteam.com
- In years past, identical funding has disappeared within weeks after launch due to high demand.
- This program is part of Florida’s long-standing effort to support essential workers, veterans, and first-time buyers in achieving home ownership.
How It Works
- Covers up to 5% of the first mortgage—up to $35,000—to apply toward down payment and closing costs
- Structured as a 0% interest, deferred second mortgage with no monthly payments
- Repayment only occurs when you sell, refinance, move, or after 30 years—making monthly costs more affordable upfront
What You Need to Do Now
- Mark your calendar: Applications open July 1, 2025.
- Get pre-approved with an FHFC-approved lender familiar with the program.
- Partner with a knowledgeable Realtor® who understands this process.
- Be ready to act fast—funding disappears quickly.
- Close on your new home and start building equity with confidence!
✅ How to Prepare
- Start exploring credit and income eligibility now
- Find a realtor experienced in Hometown Heroes transactions
- Build your pre-approval file today so you're ready come July 1
Bottom Line
The 2025 Florida Hometown Heroes Program offers $100 million in down payment assistance to help first-time homebuyers—especially essential workers, veterans, and teachers—achieve homeownership. But this opportunity won’t last long. Funds are expected to expire rapidly, so prepare now and act fast.
Ready to take the first step?
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Message me today to connect with approved lenders like
Jesse Griffith with Future Home Loans and start your homeownership journey. Let’s make homeownership a reality!
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