If you've been dreaming of owning a home in Florida, Hometown Heroes may be your perfect opportunity to achieve that.
Offering up to $35,000 in assistance to help cover your down payment and closing costs, it makes homeownership more affordable for those who give so much to others.
The program officially opens on August 18, but the great news is — you can get pre-approved and start the process right now!
How Much Can You Get?
Eligible buyers can receive between $10,000 and $35,000, or up to 5% of the first mortgage amount (whichever is less). This is provided as a 0% interest, no-payment second mortgage that's only repaid if you sell, refinance, or move out of the home.
Who Qualifies?
This program is designed for first-time buyers, with a flexible definition:
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Haven't owned a home in the past 3 years
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Owned a home but didn't live in it (and can document that)
Other key requirements:
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Full-time employment (35+ hours/week) with a Florida-based employer
- At least one borrower must work in an eligible profession: teachers, healthcare workers, military, and other public-serving roles — see the full list
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Minimum credit score: 640
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Income within your county's limit
What Can You Buy?
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Single-family homes
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Townhomes
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Eligible condos
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Manufactured homes
What's the Timeline?
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Start the pre-approval process today
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Fund reservations begin August 18, 2025
Getting started early gives you the best shot at securing funds before they run out.
Not Sure If You Qualify?
Even if this program isn't the perfect fit, there are other down payment assistance options that may help you become a homeowner. We'll walk you through what's possible — without pressure.
We'll connect you with a trusted mortgage expert at Capital Partners Mortgage to guide you every step of the way.
Call: 954.271.2024
Visit: www.cp-mtg.com
The Keyes Company has a business relationship with Capital Partners Mortgage Services. Because of these relationships, referrals may provide Keyes Company and its owners a financial benefit. You are not required to use the listed provider as a condition for settlement of your loan or the purchase, sale, or refinance of the subject property. For more information, visit keyes.com.
