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Florida Housing Finance Corporation (FHFC)
- Florida Assist Program (FL Assist): Provides down payment and closing cost assistance for first-time homebuyers in Florida. Eligible borrowers may receive up to $10,000 in assistance, structured as a 0% interest, non-amortizing second mortgage.
- Florida Homeownership Loan Program (FL HLP): Provides down payment and closing cost assistance to first-time homebuyers in Florida. Eligible borrowers may qualify for $10,000 in assistance, structured as a 15-year second mortgage with a 3% interest rate.
- PLUS TBA Program: Provides down payment and closing cost assistance to first-time homebuyers in Florida. Eligible borrowers may qualify for 3%, 4%, or 5% of the total loan amount in assistance, structured as a 0% interest, non-amortizing second mortgage.
- Hometown Heroes – Provides down payment and closing cost assistance for first-time homebuyers employed full-time by a Florida-based company. Eligible borrowers may qualify for up to 5% of the loan amount (capped at $35,000) in assistance, structured as a 0% interest, non-amortizing second mortgage. NOTE: The Florida Housing Hometown Heroes Program is currently depleted. https://www.floridahousing.org/programs/homebuyer-overview-page/hometown-heroes
For more information about these programs: https://apps.floridahousing.org/StandAlone/FTHBWizard
*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): Offers down payment and closing cost assistance for first-time homebuyers in Escambia County, Florida. Eligible borrowers may qualify for up to $45,000 in assistance, based on income, structured as a 0% interest, non-amortizing second mortgage.
- HOME Homebuyers Program: Provides down payment and closing cost assistance for homebuyers in Escambia County or the City of Pensacola. Eligible borrowers may qualify for up to $12,500 in assistance, structured as a 0% interest, non-amortizing second mortgage.
- City of Pensacola Housing Initiative Program (COPHIP): Provides down payment and closing cost assistance for homebuyers in the City of Pensacola. Eligible borrowers may qualify for up to $30,000 in assistance, structured as a 0% interest, non-amortizing second mortgage.
For more information about these programs: https://www.cityofpensacola.com/183/Home-Buyers-Programs
For more information about these programs: https://www.escambiahfa.com/lenders/homeownership-program-for-lenders
*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): Provides down payment and closing cost assistance for first-time homebuyers in Santa Rosa County, Florida. Eligible borrowers may qualify for up to $25,000 in assistance, structured as a 0% interest, non-amortizing second mortgage
- HOME Homebuyers Program: Provides down payment and closing cost assistance for homebuyers in Santa Rosa County, Florida. Eligible borrowers may qualify for up to $35,000 in assistance, structured as a 0% interest, non-amortizing second mortgage.
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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