Florida Housing offers a Homebuyer Program that offers 30-year fixed rate first mortgage loans to first time homebuyers through participating lenders and lending institutions throughout the State of Florida. Eligible borrowers may also participate in one of Florida Housing’s second mortgage programs to assist borrowers with down payment assistance and closing costs.

There are some requirements in order to qualify for our Homebuyer Loan Program:

• Minimum Credit Score of 640.

• Must work with an approved, participating, Program Lender (click here to find an approved loan officer).

• "Approved" Home Buyer Education is required to be completed.

• Your purchase price must be below the limits for the county in which you purchase.

• Your income must be below the limits for the county in which you purchase.

• You must meet the IRS definition of a first-time homebuyer which means, you cannot have owned AND occupied your primary residence for the last three years prior to purchase.

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Above information was provided and sourced by FloridaHousing.Gov