Game Changer:
Up to $35,000 Could Help You Buy a Home in the Community You Serve
Up to $35,000 Could Help You Buy a Home in the Community You Serve
You work hard for the people around you. The 2026 Florida Hometown Heroes Program may make it easier to put down roots in the community you help keep strong.
Qualified first-time homebuyers may receive $10,000 to $35,000 toward a down payment and eligible closing costs, based on 5% of the total first-mortgage loan amount.
The Mortgage Firm Tampa One can help you find out whether your employment, income, credit, and homebuying plans fit the program—then explain the options that apply to you.
Hometown Heroes Florida Program
More Florida Workers May Qualify Than You Think
You may qualify if you work full-time for an eligible Florida-based employer in:
- Healthcare
- K–12 education
- Fire departments or emergency medical services
- Law enforcement or public safety
- The Florida court system
- Licensed childcare
Eligible service members and veterans may also qualify.
Not Sure Whether Your Role Counts?
Do not rule yourself out based on a job title alone.
Eligibility can depend on your employer and work setting. Let our team take a closer look.
Buying with someone else? In many cases, only one occupying borrower needs to meet the eligible-employer requirement.
Certain military and veteran applicants may also be exempt from the first-time homebuyer requirement.
Available Loan Options
- Conventional
- FHA
- VA
- USDA-RD
Client Testimonials
Not Sure Whether You Qualify?
Tell us where you work, where you want to buy, and where you are in the process.
Our local mortgage team will review the program with you in plain English, answer your questions, and help you understand the next step.
Details
- $10,000 minimum—up to $35,000 maximum in down payment and eligible closing cost assistance
- Competitive 30-year fixed-rate first-mortgage options
- Reduced upfront program fees, with no origination or discount points
- Reduced mortgage insurance may be available on qualifying conventional loans
- A 640 minimum credit score applies to standard program options
- 0% interest with deferred repayment through a non-amortizing, 30-year second mortgage
- Assistance is not forgivable, but repayment is deferred until a qualifying repayment event
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Your First Home in Tampa Bay May Be Closer Than You Think
See what the 2026 Florida Hometown Heroes Program could mean for your homebuying plan.
