Florida Down Payment Assistance & Hometown Heroes | CambridgeHomeLoan.com
Email: info@cambridgehomeloan.com Mortgage Calculator Questions? Call (800) 826-5077
Down Payment Assistance · Florida

Florida Down Payment Assistance

Help with your down payment and closing costs — including the Hometown Heroes program for Florida’s workforce. Get to the closing table with less cash out of pocket.

  • Down payment help
  • Closing-cost help
  • Hometown Heroes
  • Pairs with FHA/conventional

Check your assistance eligibility

Same-day pre-qualification · no hard credit pull

Please enter your name, a valid phone, and a valid email.

Prefer to talk? Call 800-826-5077

✓

Thank You for Your Submission!

We will reach out shortly with your quote.
Need it now? Call 800-826-5077.

DPA
Down + closing
Heroes
Workforce program
Low cash
To close
Statewide
All of Florida
Quick answer

What is Florida down payment assistance?

Florida down payment assistance programs help eligible buyers cover the down payment and closing costs — usually as a second loan or credit paired with a first mortgage. The Hometown Heroes program targets Florida’s workforce. CambridgeHomeLoan.com pairs assistance with an FHA or conventional first mortgage so you close with less cash. Funding is limited and can pause between cycles — ask us to confirm current availability.

Want to buy with less cash? Check your eligibility.
Apply Now Call 800-826-5077
Programs

Assistance programs at a glance

ProgramWho it’s forHow it helps
Hometown HeroesEligible Florida workforceDown payment & closing-cost help paired with a first mortgage
Florida Assist / FL programsFirst-time & eligible buyersSecond-mortgage assistance toward the down payment
FHA / conventional pairingLow-down buyersAssistance layered on a 3–3.5% down loan

Program names, funding, and rules change between cycles. We confirm what’s active and what you qualify for.

Ask which program is open right now.
Apply Now Call 800-826-5077
Free tool

Estimate your monthly payment

See the payment on a low-down purchase — then assistance can reduce the cash you bring to closing.

Estimated monthly payment (PITI)
$2,694
Loan $328,100 · P&I $2,074 · Taxes, ins & MI $620/mo

Estimate only. Your rate, taxes, insurance, and mortgage insurance depend on the property, program, and credit. Get an exact quote →

Like the number? Let’s pair it with assistance.
Apply Now Call 800-826-5077
How it works

Getting assistance, step by step

Check eligibility

Income, occupation, and area limits.

Pick your first loan

FHA or conventional pairing.

Layer the assistance

Down payment & closing help.

Close with less cash

Move into your Florida home.

Start with a free eligibility check.
Apply Now Call 800-826-5077
FAQ

Florida down payment assistance questions

What is down payment assistance in Florida?
Florida down payment assistance programs help eligible buyers cover the down payment and closing costs, usually as a second loan or credit paired with a first mortgage — reducing the cash you need to close.
What is the Hometown Heroes program?
Hometown Heroes is a Florida Housing program that provides down-payment and closing-cost assistance to eligible members of the state’s workforce, paired with a first mortgage. Funding is limited and can pause between cycles, so ask us to confirm current availability.
Who qualifies for Hometown Heroes?
It’s aimed at Florida’s frontline and essential workforce across many occupations, subject to income limits, a homebuyer education course, and using the home as a primary residence. Eligibility details change — we’ll confirm yours.
How much assistance can I get?
Amounts depend on the active program and your loan. Assistance is typically structured as a second mortgage toward down payment and closing costs. We’ll calculate your specific benefit.
Do I have to be a first-time buyer?
Many assistance programs require that you haven’t owned a home in the last three years, though some are broader or target specific areas. We’ll check which programs you fit.
Is the assistance a grant or a loan?
Usually a second mortgage rather than an outright grant, sometimes deferred or forgivable under program rules. Terms vary by program and funding cycle.
Still have questions? Get answers and a plan today.
Apply Now Call 800-826-5077

Buy your Florida home with less cash

Down payment and closing-cost help, including Hometown Heroes — let’s check your eligibility.

Check Eligibility
Related loan programs
FHA Loan FloridaVA Loan FloridaFirst-Time Buyer FloridaDSCR Loan FloridaFix & Flip LoanMortgage Application

CambridgeHomeLoan.com · 4830 West Kennedy Blvd, Tampa, FL 33609 · NMLS #1826020 · 800-826-5077 · info@cambridgehomeloan.com. Equal Housing Lender. Assistance programs have income, price, and occupancy limits and are subject to funding availability. Rates, terms, and eligibility are subject to change and to borrower and property qualification. This is not a commitment to lend.