Your real Florida affordability, the Florida Housing (Florida Assist / HFA Preferred) match, and a step-by-step plan — in 30 seconds. No email required.
Calculate your Florida number — free →The Florida Assist provides up to $10,000 as a 0%, non-amortizing, deferred second mortgage. The separate FL HLP Second Mortgage provides $12,500 as a 3% second mortgage repaid over a 30-year term.
Official Florida program page →Florida's main statewide option is the Florida Housing (Florida Assist / HFA Preferred) — second mortgage administered by the agency or organization shown on its official program page. Many cities and counties in Florida add their own programs on top, so it is worth checking all three levels.
It depends on your income, debts and credit. The calculator applies the FHA 31%/43% debt-to-income rule to estimate your price, then shows how much of your down-payment gap Florida assistance could cover. Most buyers pair it with a 3% conventional or 3.5% FHA down payment.
Many state programs set a 620 minimum credit score alongside income limits based on area median income. Exact requirements are set by the agency — verify current terms on the official Florida Housing (Florida Assist / HFA Preferred) page before applying.