Estos son los programas de Florida que tenemos en nuestra base de datos: la asistencia de la agencia estatal de financiamiento de vivienda más los fondos locales o regionales que seguimos. Los montos, los límites de ingresos y la disponibilidad de fondos los fija cada agencia administradora y cambian sin aviso, así que confirme con ellos cualquier dato del que dependa su compra.
GrantFederal Home Loan Bank
FHLBank Atlanta · fhlbatl.com
- Assistance
- Amount varies — verify with the administrator
- Where
- FL
- Min credit
- Varies
- First-time buyer
- Not required
Affordable Housing Program set-aside funds for income-eligible Florida buyers, available only through lenders that are FHLBank Atlanta members. Funds may be structured as a grant or as secondary financing layered with an FHA first mortgage; household income generally must be at or below 80% of area median income, and each year's funding allocation is limited.
Repayment: Does not have to be repaid if you meet the program's conditions.
Tax credit (MCC)Federal
IRS · Section 25 MCC
- Assistance
- Amount varies — verify with the administrator
- Where
- Nationwide (state exclusions may apply)
- Min credit
- 640
- First-time buyer
- Required
IRS Mortgage Credit Certificate program administered by state and local HFAs. Converts up to 20–30% of your annual mortgage interest into a dollar-for-dollar federal income tax credit for the life of the loan. Not DPA cash — a lifetime tax benefit. Must be a first-time buyer (or in a targeted area) and stay in the home as your primary residence.
Repayment: A federal income tax credit, not cash toward your down payment.
Forgivable second mortgageCity or county
City of Jacksonville
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
The City of Jacksonville Head Start to Homeownership Program provides up to $10,000 as a 0% forgivable second mortgage over 10 years for first-time buyers purchasing inside Duval County limits.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Forgivable second mortgageCity or county
Miami-Dade County
- Assistance
- up to $28,500
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Miami-Dade County Public Housing and Community Development offers deferred second-mortgage DPA up to $28,500 for income-qualified first-time buyers purchasing inside county limits. Loan is forgiven proportionally over 30 years of continuous owner-occupancy.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Forgivable second mortgageCity or county
Orange County, FL
- Assistance
- up to $60,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Orange County Housing & Community Development offers up to $60,000 for income-qualified buyers of homes inside Orange County (excludes Orlando city limits which have their own program). Provided as a 0%, deferred, forgivable second mortgage.
Repayment: A recorded lien that is forgiven over time while you occupy the home. Sell or refinance early and the unforgiven balance is due.
Deferred second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing FL Assist offers up to $10,000 as a 0%, non-amortizing, deferred second mortgage that becomes due upon sale, refinance, transfer, or when the first mortgage is satisfied. Pairs with FL Housing first-mortgage programs (FHA, VA, USDA, Conventional).
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Deferred second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to 5% · up to $35,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing program for eligible frontline workers (educators, first responders, healthcare, active military, and other qualifying professions) offering up to 5% of the first-mortgage amount, capped at $35,000, as a 0%, non-amortizing second mortgage. First-time buyer required and buyer must be employed full-time by a Florida-based employer.
Repayment: A recorded lien with no monthly payment. The full balance comes due on sale, refinance, transfer or payoff of the first mortgage.
Repayable second mortgageState housing finance agency
Florida Housing · floridahousing.org
- Assistance
- up to $10,000
- Where
- FL
- Min credit
- 640
- First-time buyer
- Required
Florida Housing HLP provides up to $10,000 at 3% interest as a fully amortizing 15-year second mortgage layered with a Florida Housing first mortgage. First-time buyer requirement and monthly payment underwritten in DTI.
Repayment: A recorded lien with a monthly payment that is underwritten into your debt-to-income ratio. It is a loan, not a gift.
Texto oficial en inglés:
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Equal Housing Opportunity
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange residential mortgage loans with third-party lenders and do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado.
Down payment assistance programs. Down payment and closing-cost assistance programs listed or referenced on this site may be administered by third parties, including state housing finance agencies, cities, counties, Federal Home Loan Banks, nonprofit organizations, lenders, and other program sponsors. Simply Approved Mortgages LLC does not administer, control, fund, or guarantee third-party assistance unless expressly stated otherwise.
Listing or displaying a program does not constitute an offer of that program, a representation that funding is currently available, or a determination that a borrower or property qualifies. Program availability, funding, assistance amounts, income limits, purchase-price limits, credit requirements, occupancy requirements, geographic restrictions, homebuyer education requirements, participating-lender requirements, repayment terms, and other eligibility criteria vary by program and may change or become unavailable without notice. Eligibility and current program terms must be confirmed for the particular transaction.
Types of assistance. Down payment or closing-cost assistance may be structured as a grant, forgivable loan, deferred-payment loan, repayable second mortgage or other form of assistance. Assistance structured as a lien or secondary financing may be subject to repayment, forgiveness, occupancy, resale, refinance, or other conditions. Assistance should not be considered "free money" unless the applicable program documents expressly provide that the assistance is a grant with no repayment obligation.
Receiving or potentially qualifying for down payment assistance does not guarantee mortgage approval, guarantee receipt of assistance, or necessarily eliminate all funds that a borrower may be required to contribute to a transaction.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal, title review, insurance, and supporting documentation. Eligibility, programs, rates, APRs, points, fees, payments, terms, loan amounts, down-payment requirements, and availability may vary based on borrower, property, occupancy, credit profile, loan-to-value ratio, debt-to-income ratio, lender, assistance program, and location and may change without notice. Not all borrowers, properties, products, or programs will qualify or be available in every location. Nothing on this site constitutes a loan approval, rate lock, offer, commitment to lend, guarantee of assistance, or guarantee of closing.
Rates, payments and calculators. Rates, APRs, payments, down payments, estimated assistance amounts, affordability, home prices, closing costs, savings, and other calculator or scenario results displayed on this site are estimates or illustrations unless expressly stated otherwise. Actual eligibility, assistance, and loan terms may differ. Taxes, homeowners insurance, mortgage insurance, association dues, lender charges, broker compensation, discount points, third-party charges, and other costs may apply. Advertised rates, payments, APRs, down payments, and other credit terms are subject to the assumptions and disclosures presented with the applicable advertisement.
Government affiliation. Simply Approved Mortgages LLC is not a government agency and is not affiliated with, acting on behalf of, sponsored by, or endorsed by HUD, FHA, VA, USDA, any housing finance agency, or any other federal, state, or local government agency. References to government agencies, housing authorities, assistance programs, data, forms, or resources are provided for informational purposes and do not imply sponsorship or endorsement of Simply Approved Mortgages LLC.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
No professional advice. Content on this site is educational and general in nature and is not legal, tax, accounting, financial, or investment advice. Borrowers should review the applicable program documents and consult qualified professionals regarding their individual circumstances.
Divulgación publicitaria de Florida (Capítulo 494, Estatutos de Florida): Simply Approved Mortgages LLC, licencia de corredor hipotecario de Florida #MBR7685, NMLS #2620881, es un corredor hipotecario con licencia en Florida, regulado por la Oficina de Regulación Financiera de Florida, y no es un prestamista. Cualquier tasa, pago, pago inicial o cifra de asistencia para el pago inicial que aparezca en esta página es una estimación ilustrativa con fines educativos únicamente: no es una cotización, un bloqueo de tasa, una oferta ni un compromiso de prestar, y no es un anuncio de términos de crédito específicos disponibles para un prestatario en particular. La asistencia para el pago inicial es un programa de terceros sujeto a sus propios requisitos de elegibilidad, ingresos, propiedad y disponibilidad. Todos los préstamos están sujetos a la evaluación y aprobación del prestamista. Simply Approved Mortgages LLC no está afiliada, aprobada ni respaldada por HUD, FHA ni ninguna agencia gubernamental. Igualdad de Oportunidad en la Vivienda.
Esta traducción al español se ofrece únicamente por conveniencia. La versión en inglés de nuestras divulgaciones, licencias, términos y documentos del préstamo es la versión que rige legalmente. La solicitud hipotecaria, las divulgaciones federales requeridas y los documentos de cierre se proporcionan en inglés.
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