Florida offers several resources for first-time homebuyers, including down payment and closing cost assistance. The Florida Housing Finance Corporation (Florida Housing) is a primary provider. One key program is the Florida Assist Second Mortgage, offering up to $10,000 in deferred, non-amortizing, zero-interest loans for down payment and closing costs. The Florida Hometown Heroes Loan Program provides lower first mortgage interest rates and down payment/closing cost assistance to eligible frontline workers. To qualify as a first-time homebuyer, applicants generally cannot have owned a home in the past 3 years. Income and purchase price limits apply and vary by county. For example, maximum income limits can range from roughly $80,000 to over $120,000 depending on location and household size. Homebuyer education courses are often required for program participation. The availability of funds for these programs can fluctuate, so checking with Florida Housing or approved lenders is crucial.