Down Payment Assistance in Florida 2026 | Your Path to Homeownership

Programs Available in Florida

These are the options that actually work here. No fine print.

Program

FHA 100% Combo

100% financing: 96.5% FHA + a second lien for the 3.5%. No income limits.

See details → Check eligibility

Program

V1-FAST 100

0% second lien, deferred and forgivable. Zero monthly payment on the second.

See details → Check eligibility

Program

1% Down Grant

You put 1%, the program gifts 2% up to $7,000. Conventional.

See details → Check eligibility

Program

Community 1% Down

1% down + 2% gift up to $6,000 in eligible areas.

See details → Check eligibility

Program

VA Loans

100% financing, $0 down, no monthly PMI for veterans, active-duty and eligible spouses.

See details → Check eligibility

Cities in Florida

Find down payment help in your city.

Miami Orlando Tampa Jacksonville Fort Lauderdale Hialeah

Frequently Asked Questions

What Florida families ask us most.

What is Florida Housing?

Florida Housing Finance Corporation runs the state's official down payment assistance programs. We will compare them against our 100% combos and grants and recommend whichever fits your file.

Can I buy in Florida with $0 down?

Yes — VA loans for those who served, and our FHA 100% Combo, which covers the full down payment with a second lien.

Is there down payment help in Miami?

Yes. Our programs work statewide, from Miami and Orlando to Tampa and Jacksonville.

Do I Qualify for Down Payment Help?

Tell us where you want to buy and we will tell you which programs fit — free, no obligation.

Call us: (949) 253-3480