Florida Hometown Heroes
Helping Florida’s workforce become homeowners
Eligible, income-qualified first-time homebuyers in approved workforce categories may receive down payment and closing cost assistance when funding is available.
Who may qualify
A program created for eligible members of Florida’s workforce
Employment, income, first-time homebuyer, property, lender, credit, and program requirements apply.
Healthcare Workers
Eligible full-time healthcare occupations with a Florida-based employer.
School & Child Care Staff
Eligible school staff members and child care workers employed full time in Florida.
First Responders & Public Safety
Eligible first responders, court employees, and public safety workers.
Military & Veterans
Eligible service members, reserve members, National Guard members, and certain veterans.
Program highlights
Potential assistance for down payment and closing costs
Assistance amount
Current 2026 program materials describe assistance of up to 5% of the first mortgage amount, subject to a $10,000 minimum and $35,000 maximum.
First mortgage options
Eligible borrowers may use approved conventional, FHA, VA, or USDA first mortgage options through participating lenders.
Primary residence
The property must meet current eligibility requirements and generally be occupied as the borrower’s primary residence.
Funding availability changes
Program funding is limited and may be fully committed before a future allocation becomes available. Requirements and eligible occupations can also change between funding cycles.
Contact us to verify current funding availability, occupation eligibility, income limits, loan limits, and participating lender requirements before making financial decisions.
Verify Current EligibilityThe Florida Hometown Heroes Program is administered by Florida Housing Finance Corporation. The Reyes Mortgage Company LLC is not Florida Housing Finance Corporation and does not control program funding or guidelines. Assistance is subject to current program and lender requirements.