Florida and select Florida counties offer several programs to assist first-time homebuyers and other qualified buyers with down payment assistance and special financing options. These programs aim to make homeownership more affordable for residents across the state. Learn about assistance programs specific to Florida.
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Florida Housing Finance Corporation (FHFC)
Bond Programs:
- FL First Loans Bond
- FL Homeownership Loans Program
- HFA Preferred/Advantage Conventional Bond Program
- HFA Preferred/Advantage Conventional HLP Bond Program
TBA Programs:
- TBA FL Assist Government Program
- TBA FL Assist HFA Advantage Conventional Program
- TBA FL HLP Government Program
- TBA FL HFA Advantage HLP Conventional Program
- TBA HFA Advantage PLUS Conventional Program
For more information about these programs: https://www.floridahousing.org/
Hometown Heroes:
- Hometown Heroes – TBA
- Hometown Heroes – Bond
For more information about these programs: https://www.floridahousing.org/live-local-act/hometown-heroes-program
*Fidelity Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. Florida Housing’s First Time Homebuyer (FTHB) Program 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. If you are not a first-time homebuyer, you may still be eligible to participate if you are purchasing a home in a federally designated targeted area or if you are a qualified Veteran. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.
City of Pensacola / Escambia County
- State Housing Initiatives Partnership (SHIP)
- HOME Homebuyers Program
- City of Pensacola Housing Initiative Program (COPHIP)
For more information about these programs: https://www.cityofpensacola.com/183/Home-Buyers-Programs
*Fidelity Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.
Santa Rosa County
- State Housing Initiatives Partnership (SHIP)
- HOME Homebuyers Program
For more information about these programs: https://www.santarosa.fl.gov/341/Housing-Programs
*Fidelity Bank is not an administrator of these programs. Conditions apply. Assistance amounts and program terms are subject to change. The information contained on this webpage is for informational purposes only. To determine if you qualify for these programs and to determine the correct program qualifying income and purchase price limits, please contact a NOLA Lending Group Loan Officer.
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Information stated above is subject to change without notice. All applications are subject to underwriting guidelines and approval. This does not constitute an offer to lend or offer an extension of credit. All loans are subject to credit approval. Not all applicants will qualify for all products offered. All loan programs, terms, and interest rates are subject to change without notice and may only be available in select markets. The services and products advertised are not approved or endorsed by HUD, USDA, the Department of Veterans Affairs, or any government agency. All programs that involve any funding by any city, parish, county, or state-related program are subjected to those entities’ limitations on funding, and such offer may expire and such funding may run out at any time without advance notice; the act of applying for a loan does not guarantee you will receive funding; the availability of such funding cannot be confirmed until the loan closes.