Florida Down Payment Assistance and Hometown Heroes

Answers from broker Ryan C. Winslow

What is the Florida Hometown Heroes program?

A Florida Housing Finance Corporation program offering down payment and closing cost help to eligible first-time buyers in qualifying professions. Funding levels and rules change each year.

What other help exists for buyers?

FHA loans allow low down payments. VA and USDA loans allow zero down for eligible buyers. Some counties and lenders offer added grants. Ryan and Megan Winslow match buyers to the programs they qualify for.

How do I start?

Get pre-approved and ask your loan officer to screen you for every assistance program before you shop. Call 386-690-5858.

Written by Ryan C. Winslow, broker/owner of Winslow Homes. REALTOR® since 2009, 3,000+ homes sold, broker in FL, MA, CT and RI, U.S. Army retired. About Ryan.

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Updated 2026-09-28. General information, not legal, tax or insurance advice.