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Florida Assist

Quick answer

Florida Assist is a Florida down payment assistance program from Florida Housing Finance Corporation. It provides Up to $10,000 on FHA, VA, USDA and Conventional loans as a deferred-payment loan. It is aimed at first-time buyers. The minimum credit score is 640. Eligibility, income limits and funding are set by the agency, so confirm current terms on its official page.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast verified

Who qualifies for Florida Assist?

Only available with a Florida Housing first mortgage. Approved homebuyer education is required.

DetailProgram terms
AssistanceUp to $10,000 on FHA, VA, USDA and Conventional loans
TypeDeferred-payment loan
Minimum credit640
First-time buyerRequired
Income limitsIncome must be below the limits for the county where you purchase.

How does Florida Assist work with an FHA loan?

Florida's 2026 FHA one-unit limits start at $541,287, which supports a price of about $560,000 with 3.5% down. On a $250,000 home, the minimum FHA down payment is $8,750 — assistance of up to $10,000 could cover it and part of closing costs, subject to program rules.

Where do I confirm current terms?

On the official page: https://floridahousing.org/programs/homebuyer-overview-page. Programs can pause when funds run out, so confirm availability with a participating lender.

“Offers up to $10,000 on FHA, VA, USDA and Conventional Loans.” — Florida Housing Finance Corporation

← All Florida down payment assistance programs

Frequently asked questions

Up to $10,000 on FHA, VA, USDA and Conventional loans, according to Florida Housing Finance Corporation.

It's a deferred loan — no monthly payments, repaid when you sell, refinance or pay off the first mortgage.

Income must be below the limits for the county where you purchase.

A minimum 640 credit score.

Sources

Data last updated October 23, 2026.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.