Florida Housing Finance Corporation
Florida Hometown Heroes Housing Program is available to homeowners in Miami, FL.
The Florida Hometown Heroes program provides up to $35,000 in down payment and closing cost assistance to first-time homebuyers (veterans exempt from first-time requirement) employed full-time by a Florida-based employer in an approved occupation including teachers, nurses, first responders, and many other community roles. Income must be at or below 150% of AMI. The assistance is a 0% interest, non-amortizing second mortgage with a 30-year term, not a grant.
This is a deferred second mortgage (0% interest, 30-year term), not a forgivable grant. Due upon sale, refinance, or end of term. Miami-Dade 150% AMI cap is approximately $145,000+ for a household of four. Must be employed 35+ hours/week in an approved occupation.
Data last verified 2026-04-03. How we verify our data.
In Miami, FL, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Miami, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.
You will likely need a contractor to apply
Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Miami early keeps your application moving.
Get matched with a contractorThis program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.
Each program sets its own contractor rules. Check the official program page for exact requirements.
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, while funds available
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $35,000 down payment / closing cost assistance.
Florida Hometown Heroes Housing Program is open to homeowners in Miami, FL. It serves veterans and military families.
Apply directly with Florida Housing Finance Corporation using the official program link on this page or call 786-469-4100. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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