Research Center
Central Florida Homebuyer Assistance Center
Explore first-time homebuyer programs, down payment and closing cost assistance, Florida Hometown Heroes, homebuyer education, and county-specific housing resources across six Central Florida and Tampa Bay counties.
Program funding, income limits, purchase-price limits, loan terms, and application availability may change. Verify current information with the administering agency and an approved lender.
First-Time Homebuyer Programs
Programs for buyers who have not owned and occupied a primary residence in the previous three years. Exceptions may apply to veterans, targeted areas, and displaced homemakers.
View First-Time Buyer ProgramsDown Payment Assistance
Local and statewide programs that may help with down payments, closing costs, prepaid expenses, or principal reduction.
Find Down Payment AssistanceFlorida Hometown Heroes
Down payment and closing cost assistance for eligible Florida workers, service members, and veterans. Structured as a deferred second mortgage — not automatically a grant or forgivable loan.
Review Hometown HeroesBrowse by county
Live counts from the assistance database. Statewide programs may apply in every county.
Orange County
Orlando metro, Winter Park, Apopka.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Polk County
Lakeland, Winter Haven, Davenport.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Osceola County
Kissimmee, St. Cloud, Poinciana.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Lake County
Clermont, Leesburg, Mount Dora.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Hillsborough County
Tampa, Brandon, Riverview.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Pinellas County
St. Petersburg, Clearwater, Largo.- Local
- 0
- Statewide
- 0
- Active
- 0
- Needs verify
- 0
Information is provided for educational and research purposes and does not constitute mortgage, legal, tax, or financial advice. Program terms, funding, availability, income limits, purchase-price limits, interest rates, and eligibility requirements may change. Confirm current details with the administering agency and an approved participating lender.