First-Time Home Buyer Programs in Florida Explained

By Michael Renick | Florida’s West Coast Real Estate Specialist
Team Renick | Mangrove Realty Associates Inc.

Buying your first home in Florida is exciting — and also a little overwhelming. But Florida offers several programs that make homeownership more affordable for first-time buyers.

🏡 What Counts as a First-Time Home Buyer?

In Florida, you're considered a first-time buyer if you haven’t owned property in the past three years — even if you’ve owned before.

💸 Top First-Time Buyer Programs in Florida

Florida Hometown Heroes Program

  • Who it's for: First responders, educators, healthcare workers, veterans
  • Benefit: Up to $35,000 in assistance
  • Bonus: Reduced interest rates

Florida Assist (FL Assist) Loan

  • Benefit: Up to $10,000 at 0% interest
  • Repayment: Deferred until sale or refinance

Florida First Loan Program

  • Loan types: FHA, VA, USDA
  • Benefit: Below-market interest rates

HFA Preferred 3%–5% Grants

  • Benefit: Forgivable grant of 3% to 5% of loan
  • Bonus: No repayment after 5 years

County & City Programs

Many counties (like Sarasota and Manatee) offer extra down payment or grant assistance. Let’s talk — I can help you find local opportunities near you.

📋 Common Requirements

  • First-time buyer (or haven’t owned in 3+ years)
  • Credit score of 620+
  • Income limits apply
  • Must complete homebuyer education

🧠 Work With the Right Lender

Not all lenders offer these programs. I can connect you with trusted loan officers approved by Florida Housing.

🏠 Ready to Take the First Step?

We’ll help you navigate the process and match you with the right financial program — whether you’re buying in Sarasota, Bradenton, Tampa, or anywhere along Florida’s West Coast.

📚 Want more tips?
👉 Browse my full blog archive here

📞 Have questions?
Let’s talk about your homeownership goals!

Michael Renick
Florida’s West Coast Real Estate Specialist
Team Renick | Mangrove Realty Associates Inc.