Florida Housing, 100% combos, and grants: the programs helping Florida families buy their first home.
Last updated: October 2026
Check Eligibility — FreeThese are the options that actually work here. No fine print.
100% financing: 96.5% FHA + a second lien for the 3.5%. No income limits.
See details → Check eligibility0% second lien, deferred and forgivable. Zero monthly payment on the second.
See details → Check eligibilityYou put 1%, the program gifts 2% up to $7,000. Conventional.
See details → Check eligibility1% down + 2% gift up to $6,000 in eligible areas.
See details → Check eligibility100% financing, $0 down, no monthly PMI for veterans, active-duty and eligible spouses.
See details → Check eligibilityFind down payment help in your city.
What Florida families ask us most.
Florida Housing Finance Corporation runs the state's official down payment assistance programs. We will compare them against our 100% combos and grants and recommend whichever fits your file.
Yes — VA loans for those who served, and our FHA 100% Combo, which covers the full down payment with a second lien.
Yes. Our programs work statewide, from Miami and Orlando to Tampa and Jacksonville.
Tell us where you want to buy and we will tell you which programs fit — free, no obligation.
Call us: (949) 253-3480