Florida’s affordable housing crisis impacts millions, with 56% of renter households cost-burdened (paying over 30% of income on housing). The median home price in Florida is significantly higher than the national average, making homeownership inaccessible for many low-to-moderate income families. Florida Housing Finance Corporation (Florida Housing) offers programs like the Florida Hometown Heroes Loan Program providing down payment and closing cost assistance to frontline workers, up to $35,000. Another key program is the First-Time Homebuyer Program, providing below-market interest rate mortgages and down payment assistance. Sadowski Act funding, historically a significant source for affordable housing, has faced legislative challenges, with portions diverted to other priorities. Tax credits are essential, incentivizing developers to build affordable housing units; however, the demand significantly outweighs the supply. The state needs an estimated 86,000 additional affordable units. Addressing this requires multi-faceted solutions including increased funding, zoning reforms, and public-private partnerships.