You Might Not Need as Much Cash as You Think

Central Florida has multiple programs that can help cover your down payment and closing costs. Let me help you find the right one.

What is Down Payment Assistance?

Down payment assistance (DPA) includes grants, second mortgages, and other programs that help qualified buyers cover part or all of their down payment and sometimes closing costs. Many first-time buyers qualify and don't know it.

Down payment assistance can help you get the keys to your first home.

Types of DPA

  • Grants. Free money; no repayment required.
  • Forgivable second mortgages. Forgiven after 5–10 years if you stay in the home.
  • Repayable second mortgages. Often 0% interest, due when you sell or refinance.
  • Employer assistance programs. Some employers offer help for homebuyers.

Featured Programs

Boost Forgivable DPA. Forgivable down payment assistance.

Boost Forgivable DPA

Forgivable second mortgage that can help cover down payment and closing costs. Stay in the home and the balance may be forgiven over time.

Home 100 Forgivable. Up to 100% financing with forgivable assistance.

Home 100 Forgivable

Programs that can provide up to 100% financing with forgivable assistance for qualified first-time buyers. Eligibility varies by location.

Elevate DPA Grant. Grant assistance for first-time homebuyers.

Elevate DPA Grant

Grant-based down payment assistance to help eligible buyers get into their first home. No repayment required on the grant portion.

Florida-Specific Programs

  • Florida Housing Finance Corporation (Florida Housing). State-level programs and funds.
  • Florida Hometown Heroes Program. For essential workers (teachers, first responders, healthcare, etc.).
  • County-specific programs. Orange, Lake, Osceola, Seminole, and Polk each may have local DPA options.

Who Qualifies?

  • First-time buyers (or haven't owned a home in 3+ years)
  • Income limits vary by county and program
  • Minimum credit score typically 620–640
  • Must be primary residence
  • Homebuyer education course may be required

How I Help

I stay current on every DPA program available in Central Florida. During your strategy session, I'll check which programs you qualify for and show you exactly how much help you can get. DPA often pairs with FHA or conventional loans. Explore our loan programs or estimate your payment.

DPA FAQ

It can add some steps and paperwork, but with an experienced lender who knows the programs, we keep things on track. I'll walk you through timelines upfront.
Yes. Many DPA programs work with FHA and conventional first mortgages. We'll match you to the right combo.
It depends on the program. Grants don't need to be repaid. Second mortgages may be forgivable over time or repayable at sale/refinance. I'll explain each option clearly.
Income limits vary by program and household size. Some programs have higher limits in certain areas. We'll run the numbers to see what you qualify for.

Find Out Which Programs You Qualify For

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