Florida Housing Down Payment Assistance

Florida Housing Finance Corporation

Available Down Payment

About This Program

Florida Housing Down Payment Assistance is available to homeowners in Sarasota, FL.

Florida Housing Finance Corporation offers down payment assistance as a zero-interest second mortgage for first-time and repeat homebuyers in Sarasota. Combined with first mortgage programs, assistance is forgiven after 30 years. Income limits apply based on county.

Second mortgage forgiven after 30 years of occupancy

Data last verified 2026-06-09. How we verify our data.

In Sarasota, FL, you can combine this program with other local help to cut your cost:

Key Details

  • Zero-interest second mortgage up to $10,000
  • First-time and repeat buyers eligible
  • Forgiven after 30 years
  • Must use Florida Housing first mortgage
  • Income limits based on household size

How to Apply

A grant-savvy contractor in Sarasota, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • The program's own application form, completed (use the official link or phone number on this page).

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: Continuous through participating lenders

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Frequently asked questions

How much can Florida Housing Down Payment Assistance provide in Sarasota, FL?

Up to $10,000 second mortgage.

Who qualifies for Florida Housing Down Payment Assistance in Sarasota?

Florida Housing Down Payment Assistance is open to homeowners in Sarasota, FL.

How do I apply for Florida Housing Down Payment Assistance in Sarasota, FL?

Apply directly with Florida Housing Finance Corporation using the official program link on this page or call (850) 488-4197. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Sarasota, FL

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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